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A sound cash management program uses a disciplined approach: accounting, analysis, allocation, and adjustment.

Before making investment decisions, it is helpful to determine the real rate of return on the investment.

Short-term cash management instruments can help you establish a sound cash management program.

There are numerous investment alternatives available to help provide liquidity.

Money market funds can be a highly liquid and effective cash management tool.

There are five broad asset classes that you should take into consideration when constructing your investment portfolio.

Asset allocation is a method used to help manage investment risk; it does not guarantee a profit or protect against investment loss.

Understanding different types of investment risk can help investors manage their money more effectively.

An important element to successful investing is to manage investment risk while maintaining the potential for growth.

Dollar-cost averaging involves investing a set amount of money on a regular basis, regardless of market conditions.

A mutual fund is a collection of stocks, bonds, and other securities with certain benefits and risks.

If you start saving for retirement sooner, the more money you are likely to accumulate and possibly retire sooner.

Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.

Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

With the changing pension landscape, it is important to take charge of your own retirement security.

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.

Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.

IRAs and employer-sponsored retirement plans are subject to annual contribution limits set by the federal government.

Required minimum distribution is the annual amount that must be withdrawn from a qualified retirement plan/account.