With Elizabeth still on vacation, this is investing editor Ian Salisbury. As you've probably noticed there is plenty of advice out there about how to find the right mix of stocks and bonds for your 401(k). What they don't always tell you is that there is more to consider than your age and tolerance for risk. Other assets like a pension or annuity or an additional retirement account like a Roth IRA can dramatically change the calculus. That's because the steady income of a pension mimics the bonds in your investment portfolio, freeing you up to own more stocks; while the different tax rules for Roth and traditional accounts can make Roths bettter suited for risky stocks. You'll find these tips and more in today's featured article.
Regards,
Ian
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One member of our Retire with Money Facebook group wrote to complain the interest rate on his high-yield savings account had been slashed. It's an issue we tackled back in July. Fortunately there are still good rates to be had. You can read about where to find them here.
RETIREMENT NEWS FROM AROUND THE WEB
There Are 4 Major Reasons Why Those About to Retire Don't Have Enough Money in Their 401(k)s
Avoiding fees and the temptation to touch your savings early can help a lot. CNBC
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Elizabeth O'Brien is a senior writer at MONEY, covering retirement and health care. You can email her at elizabeth.o'brien@moneymail.com and follow her on Twitter at @elizobrien.
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With Elizabeth still on vacation, this is investing editor Ian Salisbury. As you've probably noticed there is plenty of advice out there about how to find the right mix of stocks and bonds for your 401(k). What they don't always tell you is that there is more to consider than your age and tolerance for risk. Other assets like a pension or annuity or an additional retirement account like a Roth IRA can dramatically change the calculus. That's because the steady income of a pension mimics the bonds in your investment portfolio, freeing you up to own more stocks; while the different tax rules for Roth and traditional accounts can make Roths bettter suited for risky stocks. You'll find these tips and more 
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