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        1. Authors
        2. Christine Benz

        水肿脸

        Christine Benz is Morningstar's director of personal finance and author of 30-Minute Money Solutions: A Step-by-Step Guide to Managing Your Finances and the Morningstar Guide to Mutual Funds: 5-Star Strategies for Success. Follow Christine on Twitter: @christine_benz.

        水肿脸

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        Not every retiree needs to gun for higher returns, but a conservative portfolio can court its own risks.

        水肿脸

        The retirement researcher and author discusses the benefits and challenges of working longer, the health of Social Security, and what longevity means for retirees' plans.

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        The skinny on Roth versus traditional contributions, early withdrawals, loans, and more.

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        Even if you earn your match in company shares, it doesn't mean you have to stick around.

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        Selecting your own investments? Here's what to know before you start.

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        The costs of participating in company retirement plans have come way down, but investors in small plans pay far more than large-plan investors.

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        Evaluating the best options for tax-efficient--and automatic--savings outside of a company retirement plan.

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        The 'White Coat Investor' discusses how high earners can avoid lifestyle creep and why a minimalist approach to investing is best.

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        We put that question to Social Security and retirement expert Mary Beth Franklin.

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        Life stage makes a difference.

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        The longtime manager of FPA Crescent Fund talks balancing risk and reward in the COVID-era, why he's not holding even more cash, the case for Wells Fargo, and more.

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        New investors can avoid pitfalls with the right tools.

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        Your personal experiences have likely had a big influence on how risk-averse or -tolerant you are.

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        Use anticipated spending needs and probabilities of a positive return over your time horizon to back into the right mix of cash, bonds, and stocks.

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        Retirement researcher Wade Pfau discusses why low yields put this withdrawal rule at risk and what strategies retirees can use instead.

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        A combination of incremental, not revolutionary, changes can help bridge the gap.

        水肿脸

        Use our template to document your retirement assets, strategy, and spending system.

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        To understand whether these complicated products might suit you, start with the goals you have for your money.

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        How volatile markets and concerns over the program's finances should affect claiming decisions for pre-retirees and early retirees.

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        The tax- and retirement-planning expert discusses SECURE and CARES Act implications for charitable giving and estate planning, the pause on RMDs, and why 2020 is shaping up as an ideal year for Roth conversions.

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        Who does and does not benefit from a dipping dollar.

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        Rules of thumb may be too high for affluent retirees with high savings rates, but healthcare costs are a major swing factor.

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        For people in drawdown mode, tips on asset allocation, Social Security, annuities, withdrawal rates, and more.

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        The late 50s and early 60s are the perfect time for investors to embark on a savings sprint, assess the viability of their portfolio, and build out their stake in safer securities.

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        Maximizing nonportfolio sources of income can reduce demands on your portfolio.

        水肿脸

        Determining if you're on track to retire can be more manageable if you break it into smaller steps.

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        How to handle this decision--even when it is made for you.

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        The Capital Group fund manager discusses where bond investors are getting paid to take risk today and the role of bonds in an ultra-low-yield world.

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        COVID-19 has disproportionately affected people in nursing homes and other long-term care settings. Will lasting change follow?

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        What to consider if early retirement is on your radar in today's economic environment.

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        Maria Bruno discusses options from the old and familiar to the new and temporary.

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        Six key steps for incorporating rebalancing into your retirement plan.

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        It has been a tough year for dividend-seekers, but these funds balance high payouts with volatility control.

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        The influential author and researcher shares his views on retirement income, asset allocation, equity valuations, whether indexing has gotten too big, and more.

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        Annuities can offer valuable protection against clients outliving their assets, but they can also be high-cost and complicated. We dig into some pluses and minuses.

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        Reports of the strategy's demise are greatly exaggerated.

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        How to decide whether you still want to take them.

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        Dividend-growth strategies tend to hold up well on the downside--an important attraction in 2020's volatile market.

        水肿脸

        Annuities can offer valuable protection against outliving your assets, but they can also be high-cost and complicated. We dig into some pluses and minuses.

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        GMO’s head of asset allocation discusses value’s underperformance, why a 60/40 portfolio is apt to be a losing proposition after inflation, and what the market is missing about emerging-markets value.

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        It depends on your expectations and time frame.

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        Financial planner and retirement researcher Jonathan Guyton explains how to implement spending rules that fluctuate with the market--but not too much.

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        Bonds buoyed the moderate and conservative portfolios, but all of these equity-heavy portfolios were in the red at mid-year.

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        Retirees should consider being flexible with their spending plan.

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        The manager of T. Rowe Price's target-date series discusses the firm's more stock-heavy allocations, how target-date funds keep investors in their seats, and the puzzle of retirement decumulation.

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        Where should they look--and not look?

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        If your goal is to look out for your loved ones, consider tackling these estate-planning additional jobs.

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        High-quality bonds limited the mutual fund and ETF portfolios to modest losses in a tough first half.

        水肿脸

        A noted retirement specialist discusses the benefits and challenges of working longer, the virtues of Roth assets, and building retirement portfolios to last.