- Glossary • FAQ -   Library for Individuals and Participants (Roll over Title for Preview, Click to Read) Date Posted Article Title 1/30/2012 When Should You Retire? A look at some of the questions and issues that must be contemplated when deciding the retirement timeline that will work for you. 1/24/2012 Embracing Imperfection Saving for retirement requires a long-term investment perspective. Losing sight of your time horizon can result in decision-making that is counter to your retirement objectives. 11/14/2011 Retirement Crisis Closes In on Baby Boomers Many Baby Boomers are facing a harsh reality as they approach retirement age and realize that the milestone may be farther away than hoped or, worse yet, out of the realm of possibility altogether. 10/24/2011 2012 Contribution Limits A look at the recently published IRS contribution limits for 2012. 10/14/2011 Why Is the Obama Administration Enabling Retirement Rip-Offs? A closer look at the substantive shift that the Obama Administration is proposing for the future of retirement saving. Cause for concern? 8/16/2011 All the Ways That Stocks Churn Your Stomach The psychology of investing, particularly during times of high market volatility, is an interesting study. This article discusses the emotions that are involved and how short-term reactions can undermine long-term success. 8/11/2011 Living With Volatility After 3 years of market volatility, it is natural that some investors want off the roller coaster. It’s frustrating when it appears we are on a steady climb, allowing us to catch our collective breath and regroup, only to have an unexpected, stomach churning drop - but such is the nature of the ride. 8/4/2011 What Do You Know That The Market Doesn't? During periods of short-term market volatility, it is a natural response to want to retreat to "safety" until stability is once again on the horizon. But, to do so may ultimately lead to missed opportunities and ill-timed action. 8/4/2011 Thinking In Real Terms Taking an overly cautious investment stance and moving too much of your money to "safety" in the face of market volatility might actually cost you long-term purchasing power. Here's how... 7/19/2011 Discipline: Your Secret Weapon Studies show that a passive investment philosophy in which discipline prevails over the ego-driven instinct to try to outsmart or "time" the market is the key to building long-term wealth. We hate to say "we told you so" ... 6/27/2011 2011 Investment Outlook - Macro-Economic Factors vs. Asset-Class Prospects Review NestEggs' annual update of our perspective regarding 7 asset classes and 7 factors we evaluate to establish ‘weightings’ in our Growth, Balanced and Conservative profiles. 5/19/2011 Workers Lack a Backup Plan For Retirement Reality is setting in for babyboomers and subsequent generations that retirement may not be as "golden" as imagined. Due to insufficient retirement savings, many members of today's workforce plan to work past age 65...but what if they are unable? 4/12/2011 Financial Flimflam Why do economic experts' predictions fail? This article explores how the oversimplification of complex financial phenomena can lead to incorrect conclusions that fail to take into account "big picture" variables. 2/22/2011 NestEggs News...Too little, too late? According to data recently compiled by the Federal Reserve, the median household headed by a person aged 60 to 62 with a 401(k) account has less than one quarter of what is needed in that account to maintain its standard of living in retirement. Will your retirement years be “golden” or, as is the case for millions of Baby Boomers approaching this milestone, will they fall short of your expectations because of choices you are making now? 1/12/2011 Be It Resolved Food for thought as a new year rolls in and many of us have resolved to recommit to our health and well-being. Perhaps it is time to divert some of the renewed enthusiasm and self-discipline that comes with the ushering in of a new year to matters affecting our WEALTH and well-being? 1/29/2010 ROTH IRA Conversions in 2010 Beginning with 2010, income limitations that previously precluded high-income individuals from converting their traditional to ROTH IRAs have been lifted. This creates interesting planning opportunities! 6/25/2009 NestEggs Investment Commentary The following details our retrospective and prospective views of markets as of June, 2009. 6/25/2009 NestEggs 2009 Asset Allocation Model This is our June, 2009 evaluation of 7 asset classes against 7 economic criteria, and the resultant asset weightings in our portfolios. 4/15/2009 Reverse Logic During stressful times such as we are having, many people decide to REDUCE their savings. Of course, that is the OPPOSITE of what logic dicates, as the following article clearly states. 4/7/2009 Five Things To Do ... and NOT To Do With markets seemingly in a state of transition, it is tempting to make sudden changes in your saving habits. Read this first ... 3/24/2009 Don't Give Up! The title says it all. Too many times, we see Participants reducing or even stopping their 401(k) Contributions during tough times. That's the wrong decision, as the following article shows. 3/5/2009 Have You Really Gotten Nowhere In The Last 10 Years? Much press has been given to the fact that major stock indices are now at levels of 10 years ago. Does that tell the whole story? 2/25/2009 Stock Market Perspective No question markets have been challenging over the last year. Unfortunately, any investment philosophy must take into account both the up side and the down side of the economic cycle. This article puts some perspective on recent events, and offers some hope for the future. 10/9/2008 Common Sense Why you should take a long-term view to your retirement Nest Egg 10/7/2008 Follow Warren Buffett Fear is a tough emotion to quell; and this is definitely a fear-inducing market. But consider that America's greatest investor is BUYING, and give some thought to this article 9/18/2008 Today's Crisis Should Set Stage for Future Gains Sound advice from SmartMoney.com. 9/15/2008 Good Advice For Nervous Investors It's pretty ugly out there these days. But it's happened before and will happen again. And the people who lose are those who let fear get the best of them instead of taking a longer view. 9/6/2008 Borrowing From Your 401(k) Plan Don't do it. 7/13/2008 Love The Bear! Warren Buffett refers to market drops as "opportunities" for the long-term, value-oriented investor. That's pretty good advice. 7/8/2008 Tough Times Call For Tough Decisions In tough economic times, 401(k) participants are often tempted to cut back on their deferrals. The following article explains why this should be the last choice. 5/17/2008 Prepare For A Gruesome Retirement This May 13th article from The Motley Fool presents some stark facts about our preparedness for retirement. Don't be a statistic! 5/5/2008 Test Your Retirement Knowledge Click to try the annual Wall Street Journal Retirement quiz, which tests your knowledge of and readiness for dealing with health, Social Security and Financial issues. 4/4/2008 How NOT to Ruin Your Investment Life Most of us know Ben Stein as a dead-panning comedian, but he's also a highly-regarded Economist. The following tongue-in-cheek article details all the things you can do to LOSE money. 3/29/2008 Retirement Planning Blunders Diligent saving is just the start toward a financially secure retirement. 3/13/2008 Three Common Investing Mistakes Think of them as the three deadly sins: lack of diversification, trying to "time the market" and paying too much. Common sense that is often lost in the emotions that too often govern investment decisions. 2/22/2008 Taking The Mystery Out Of Retirement The Department of Labor has recently issued an extensive, interactive, "Help" resource which does a very good job of raising issues you need to consider as you approach retirement! 2/12/2008 Social Security This superb article appeared in the Wall Street Journal in November of 2007, and provides excellent insight into the intricacies of the Social Security system ... something all future retirees should understand. 2/12/2008 Some History Lessons About Periods of Market Volatility With the recent level of market volatility ... mostly to the downside ... we've had many calls from people asking us to put this in historical context. This article should help. Please remember the old adage: buy low, sell high. As logical as that may be, the reality is that for most investors, the emotions of fear and greed to be more powerful than logic. don't fall for that trap ... making money requires patience and discipline! 2/8/2008 Mutual Funds Primer Everything you ever wanted to know about mutual funds: what they are, how they operate and who they benefit.