CNBC U.S. Contributors

Bill Losey



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    An old stock market dictum says that spring is for profit-taking, or at least a time to reduce your exposure to equities.

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    April is the month with the deadlines for IRA contributions and mandatory IRA withdrawals and the deadline for your 2011 IRA contribution is April 17, 2012.

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    Is a tax refund coming your way? If you have already received your refund for 2011 or are about to receive it, you might want to think about the destiny of that money. Here are some possibilities.

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    Your 401k represents a critical piece of your financial future. And as you retire, you typically have three options.

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    Retiring from one's job can be a stressful time but it doesn’t have to be. Realize that it’s natural to be nervous, anxious and/or confused when you’re going through a major life change.

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    That is the question being contemplated by millions of American’s and their tax preparers. In case you haven’t heard, beginning January 1, 2010, any investor may convert their traditional IRA to a Roth IRA. Unlike prior years where where there were income limitations, no IRS income limits will apply or stand in the way of the conversion starting in 2010.

  • Each time your portfolio exceeds a pre-established benchmark, you should systematically harvest the excess money above the benchmark, and put it in cash or short-term bonds (money market funds, CDs, and/or US Treasury bills).

  • Scott Brown

    Considering the tradition-defying results, many people are viewing the election as a message from voters.

  • Young Employees

    Five Tips including this: Since you will likely have 2-4 decades before you'll need this money, consider investing 70%-80% in equities/stocks. Do not be too conservative with your allocation.

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    If you haven’t maxed out your 401k/403b contributions at work, you are eligible to take advantage of what is known as the catch-up provision. In essence, if you haven’t saved as much as legally possible every year you’ve been working, you are able to contribute an extra $5,500 per year (over and above the legal limit - $16,500) into your retirement plan in 2010.