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	<title>Sercer - Find news the fast way - server &#187; Retirement</title>
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		<title>I earn too much keep contributing, should I cash my Roth out?</title>
		<link>http://www.sercer.com/financial-news/retirement/i-earn-too-much-keep-contributing-should-i-cash-my-roth-out-321303624/</link>
		<comments>http://www.sercer.com/financial-news/retirement/i-earn-too-much-keep-contributing-should-i-cash-my-roth-out-321303624/#comments</comments>
		<pubDate>Fri, 18 May 2012 20:09:05 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<title>&#8216;What should we do with a $100,000 windfall?&#8217;</title>
		<link>http://www.sercer.com/financial-news/retirement/what-should-we-do-with-a-100000-windfall-3-321303562/</link>
		<comments>http://www.sercer.com/financial-news/retirement/what-should-we-do-with-a-100000-windfall-3-321303562/#comments</comments>
		<pubDate>Fri, 18 May 2012 10:41:06 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[We are retirement age and expect a windfall of $100,000. What should we do? -- Debbie, Jamestown, N.Y.]]></description>
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		<title>Should I stop funding my Roth?</title>
		<link>http://www.sercer.com/financial-news/retirement/should-i-stop-funding-my-roth-2-321303094/</link>
		<comments>http://www.sercer.com/financial-news/retirement/should-i-stop-funding-my-roth-2-321303094/#comments</comments>
		<pubDate>Wed, 16 May 2012 14:34:43 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<item>
		<title>Don&#8217;t let debt weigh down your retirement</title>
		<link>http://www.sercer.com/financial-news/retirement/dont-let-debt-weigh-down-your-retirement-4-321297299/</link>
		<comments>http://www.sercer.com/financial-news/retirement/dont-let-debt-weigh-down-your-retirement-4-321297299/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:43:03 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Not so long ago debt "was a four-letter word when spoken in the same breath as "retirement." Before waltzing into their golden years, older Americans paid off their loans, then celebrated by burning the mortgage.]]></description>
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		<title>49% of Americans saving zilch for retirement</title>
		<link>http://www.sercer.com/financial-news/retirement/49-of-americans-saving-zilch-for-retirement-321301110/</link>
		<comments>http://www.sercer.com/financial-news/retirement/49-of-americans-saving-zilch-for-retirement-321301110/#comments</comments>
		<pubDate>Thu, 10 May 2012 10:06:18 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[America has a serious problem saving for retirement.]]></description>
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		<title>&#8216;Should my 401(k) hold company stock?&#8217;</title>
		<link>http://www.sercer.com/financial-news/retirement/should-my-401k-hold-company-stock-321298953/</link>
		<comments>http://www.sercer.com/financial-news/retirement/should-my-401k-hold-company-stock-321298953/#comments</comments>
		<pubDate>Wed, 02 May 2012 15:27:00 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I work for a Fortune 500 company that matches my 401(k) contributions in company stock, which I can then re-allocate to other investments every quarter if I wish. Given that I won't retire for several decades and I think my company has great growth pot...]]></description>
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		<title>If I don&#8217;t get a 401(k) match, should I invest in a Roth IRA?</title>
		<link>http://www.sercer.com/financial-news/retirement/if-i-dont-get-a-401k-match-should-i-invest-in-a-roth-ira-321298954/</link>
		<comments>http://www.sercer.com/financial-news/retirement/if-i-dont-get-a-401k-match-should-i-invest-in-a-roth-ira-321298954/#comments</comments>
		<pubDate>Tue, 01 May 2012 16:47:19 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<slash:comments>0</slash:comments>
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		<title>Do companies match lump-sum contributions to a 401(k)?</title>
		<link>http://www.sercer.com/financial-news/retirement/do-companies-match-lump-sum-contributions-to-a-401k-321297595/</link>
		<comments>http://www.sercer.com/financial-news/retirement/do-companies-match-lump-sum-contributions-to-a-401k-321297595/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 13:45:36 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>&#8216;Do I really need my savings to last until I&#8217;m 100?&#8217;</title>
		<link>http://www.sercer.com/financial-news/retirement/do-i-really-need-my-savings-to-last-until-im-100-2-321297596/</link>
		<comments>http://www.sercer.com/financial-news/retirement/do-i-really-need-my-savings-to-last-until-im-100-2-321297596/#comments</comments>
		<pubDate>Fri, 27 Apr 2012 09:33:48 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Why do I need my savings to last to age 100 if my average life span is much shorter? -- Mike Johnson, Fairfield, Ohio]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/do-i-really-need-my-savings-to-last-until-im-100-2-321297596/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Should I take advantage of no income to convert to a Roth?</title>
		<link>http://www.sercer.com/financial-news/retirement/should-i-take-advantage-of-no-income-to-convert-to-a-roth-321297597/</link>
		<comments>http://www.sercer.com/financial-news/retirement/should-i-take-advantage-of-no-income-to-convert-to-a-roth-321297597/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 13:50:17 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Are REITs a safe investment for retirement?</title>
		<link>http://www.sercer.com/financial-news/retirement/are-reits-a-safe-investment-for-retirement-2-321296783/</link>
		<comments>http://www.sercer.com/financial-news/retirement/are-reits-a-safe-investment-for-retirement-2-321296783/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 13:20:17 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Are REITs a safe investment for one's retirement years? -- Ray H., Florissant, Mo.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/are-reits-a-safe-investment-for-retirement-2-321296783/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>&#8216;I&#8217;m 39 with $1.2M saved, can I finally live it up?&#8217;</title>
		<link>http://www.sercer.com/financial-news/retirement/im-39-with-1-2m-saved-can-i-finally-live-it-up-5-321295961/</link>
		<comments>http://www.sercer.com/financial-news/retirement/im-39-with-1-2m-saved-can-i-finally-live-it-up-5-321295961/#comments</comments>
		<pubDate>Fri, 20 Apr 2012 18:45:37 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I'm 39, self-employed and make $200,000 a year. I have no mortgage and have saved $1.2 million, 75% of which is in retirement accounts. I'd like to relax and live it up a bit, but I'm afraid that the good days might end.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Best investments at ages 55-plus</title>
		<link>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-55-plus-2-321295206/</link>
		<comments>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-55-plus-2-321295206/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 14:07:23 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Welcome to the homestretch! You still need momentum, but with retirement in sight, your mix of stocks and bonds should begin to balance out.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Best investments at ages 45 to 54</title>
		<link>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-45-to-54-2-321294890/</link>
		<comments>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-45-to-54-2-321294890/#comments</comments>
		<pubDate>Tue, 17 Apr 2012 14:05:11 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[With 20-plus working years under your belt, you're beginning to close in on retirement.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Best investments at ages 35 to 44</title>
		<link>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-35-to-44-3-321294720/</link>
		<comments>http://www.sercer.com/financial-news/retirement/best-investments-at-ages-35-to-44-3-321294720/#comments</comments>
		<pubDate>Mon, 16 Apr 2012 14:56:48 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[When it comes to putting together a retirement portfolio, you need to think like an athlete running a marathon.]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Worried about U.S. politics?  Protect your portfolio</title>
		<link>http://www.sercer.com/financial-news/retirement/worried-about-u-s-politics-protect-your-portfolio-321292348/</link>
		<comments>http://www.sercer.com/financial-news/retirement/worried-about-u-s-politics-protect-your-portfolio-321292348/#comments</comments>
		<pubDate>Fri, 06 Apr 2012 17:02:23 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I'm worried that our incompetent politicians will screw up the current bull market and cause even worse economic damage than we've seen in Europe. So I'm thinking of getting out of U.S. stocks and going 100% into international shares. Is this a good id...]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Inverse funds: Risky bet isn&#8217;t for long-term investors</title>
		<link>http://www.sercer.com/financial-news/retirement/inverse-funds-risky-bet-isnt-for-long-term-investors-2-321292068/</link>
		<comments>http://www.sercer.com/financial-news/retirement/inverse-funds-risky-bet-isnt-for-long-term-investors-2-321292068/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 09:09:34 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I've worked at several companies with 401(k) plans, but none of them has offered an "inverse fund," or a fund that moves in the opposite direction of the market. I think this would be a nice diversification option to have when the market is shaky. Is t...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Retirees: Does it make financial sense to marry?</title>
		<link>http://www.sercer.com/financial-news/retirement/retirees-does-it-make-financial-sense-to-marry-321290577/</link>
		<comments>http://www.sercer.com/financial-news/retirement/retirees-does-it-make-financial-sense-to-marry-321290577/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 13:52:53 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<title>Retiring at 65 with $1.5 million: Making it last</title>
		<link>http://www.sercer.com/financial-news/retirement/retiring-at-65-with-1-5-million-making-it-last-321290426/</link>
		<comments>http://www.sercer.com/financial-news/retirement/retiring-at-65-with-1-5-million-making-it-last-321290426/#comments</comments>
		<pubDate>Fri, 30 Mar 2012 10:31:27 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I'm in my mid 60s and I'm rolling $1.5 million into an IRA. I'd like to create a portfolio of 60% stocks and 40% bonds using low-fee ETFs and mutual funds. Is this a good plan -- and which funds and ETFs would you suggest? -- Ollie F.]]></description>
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		<title>Forget dollar-cost averaging</title>
		<link>http://www.sercer.com/financial-news/retirement/forget-dollar-cost-averaging-2-321289894/</link>
		<comments>http://www.sercer.com/financial-news/retirement/forget-dollar-cost-averaging-2-321289894/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 19:56:05 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA["Should I put all the money I have to invest in the market now or add it gradually over time?" --  Paul B., Louisiana]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/forget-dollar-cost-averaging-2-321289894/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Keep both government insurance and Medicare Part B?</title>
		<link>http://www.sercer.com/financial-news/retirement/keep-both-government-insurance-and-medicare-part-b-321290321/</link>
		<comments>http://www.sercer.com/financial-news/retirement/keep-both-government-insurance-and-medicare-part-b-321290321/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 13:57:35 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Retirement planning: It&#8217;s not just money</title>
		<link>http://www.sercer.com/financial-news/retirement/retirement-planning-its-not-just-money-321288475/</link>
		<comments>http://www.sercer.com/financial-news/retirement/retirement-planning-its-not-just-money-321288475/#comments</comments>
		<pubDate>Fri, 23 Mar 2012 14:56:33 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Most retirement planning emphasizes financial considerations. How can I plan for the way I'll live after I leave work? -- David, Miami, Fla.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/retirement-planning-its-not-just-money-321288475/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Getting a cool $1 million for retirement</title>
		<link>http://www.sercer.com/financial-news/retirement/getting-a-cool-1-million-for-retirement-3-321287705/</link>
		<comments>http://www.sercer.com/financial-news/retirement/getting-a-cool-1-million-for-retirement-3-321287705/#comments</comments>
		<pubDate>Tue, 20 Mar 2012 16:09:52 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I always hear that if someone starts investing in their 30s and earns 8% a year, they can retire with $1 million because of compound interest. Is this true and, if so, where can I find investments that will earn that return? -- Denise, Sacramento, Calif.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/getting-a-cool-1-million-for-retirement-3-321287705/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Fleeing to cash won&#8217;t protect retirement savings</title>
		<link>http://www.sercer.com/financial-news/retirement/fleeing-to-cash-wont-protect-retirement-savings-321286696/</link>
		<comments>http://www.sercer.com/financial-news/retirement/fleeing-to-cash-wont-protect-retirement-savings-321286696/#comments</comments>
		<pubDate>Fri, 16 Mar 2012 19:12:19 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I'm a 65-year-old retiree who has a comfortable pension and retirement savings that, for now at least, I don't need for living expenses. About a year ago I moved my savings into cash because I was worried about the unstable stock market and the crisis ...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/fleeing-to-cash-wont-protect-retirement-savings-321286696/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Find the right nursing home</title>
		<link>http://www.sercer.com/financial-news/retirement/find-the-right-nursing-home-321286024/</link>
		<comments>http://www.sercer.com/financial-news/retirement/find-the-right-nursing-home-321286024/#comments</comments>
		<pubDate>Wed, 14 Mar 2012 09:57:35 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[You'd never choose a new house without visiting and inspecting it. Yet too often families do just that for a nursing home. A typical scenario: A fall sends Mom to the hospital, and you've got a day or two to find a home prior to her discharge.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/find-the-right-nursing-home-321286024/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="" length="" type="" />
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		<title>Workers still pessimistic about retirement</title>
		<link>http://www.sercer.com/financial-news/retirement/workers-still-pessimistic-about-retirement-321285677/</link>
		<comments>http://www.sercer.com/financial-news/retirement/workers-still-pessimistic-about-retirement-321285677/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 16:42:56 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Concerns about job security and piles of debt have left American workers more pessimistic about retirement than ever.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/workers-still-pessimistic-about-retirement-321285677/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How much should I rely on gut instinct when investing?</title>
		<link>http://www.sercer.com/financial-news/retirement/how-much-should-i-rely-on-gut-instinct-when-investing-321284515/</link>
		<comments>http://www.sercer.com/financial-news/retirement/how-much-should-i-rely-on-gut-instinct-when-investing-321284515/#comments</comments>
		<pubDate>Fri, 09 Mar 2012 14:58:55 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I manage my own portfolio. Do I need to use modern portfolio theory to allocate my assets? Or will my gut feel for the risk/return of each asset do? -- David Wilcox, Orem, Utah]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/how-much-should-i-rely-on-gut-instinct-when-investing-321284515/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Champions of the small investor</title>
		<link>http://www.sercer.com/financial-news/retirement/champions-of-the-small-investor-2-321283780/</link>
		<comments>http://www.sercer.com/financial-news/retirement/champions-of-the-small-investor-2-321283780/#comments</comments>
		<pubDate>Wed, 07 Mar 2012 15:32:03 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[Vanguard founder Jack Bogle and his diehard online investment community, the Bogleheads, were chosen as MONEY Heroes for their steadfast commitment to spreading investment advice that preaches simple, low-cost, diversified investing.]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/champions-of-the-small-investor-2-321283780/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Am I saving too much for retirement?</title>
		<link>http://www.sercer.com/financial-news/retirement/am-i-saving-too-much-for-retirement-2-321283552/</link>
		<comments>http://www.sercer.com/financial-news/retirement/am-i-saving-too-much-for-retirement-2-321283552/#comments</comments>
		<pubDate>Tue, 06 Mar 2012 22:44:51 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[I'm 28 and on track to save 40% of my salary in retirement and other accounts this year. I wonder, though, whether I'm focusing too much on stashing away money rather than enjoying it more at my age. Am I overdoing it? -- Adam, Minneapolis]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/am-i-saving-too-much-for-retirement-2-321283552/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<item>
		<title>Easing your way into retirement (on your own terms)</title>
		<link>http://www.sercer.com/financial-news/retirement/easing-your-way-into-retirement-on-your-own-terms-3-321279521/</link>
		<comments>http://www.sercer.com/financial-news/retirement/easing-your-way-into-retirement-on-your-own-terms-3-321279521/#comments</comments>
		<pubDate>Tue, 06 Mar 2012 15:42:02 +0000</pubDate>
		<dc:creator>Retirement advice and news - CNNMoney.com</dc:creator>
				<category><![CDATA[Retirement]]></category>

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		<description><![CDATA[At age 60, Kathy Frederick routinely put in 50 hours a week as a hospital administrator for Scripps Health Systems in San Diego. She managed a 15-person staff, and regularly took work home on week-ends -- until one day five years ago she decided enough...]]></description>
		<wfw:commentRss>http://www.sercer.com/financial-news/retirement/easing-your-way-into-retirement-on-your-own-terms-3-321279521/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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