Individual Retirement Accounts can be an important part of your retirement plan, especially if you don’t have an employer-sponsored 401(k) or 403(b).
But the fifth annual TIAA IRA survey indicates that a surprising number of people don’t understand them, especially millennials. It all translates into the need for more and better financial education, according to the folks at TIAA. Dan Keady, a senior director at TIAA, says one thing that surprised him was the response to the question of what people would do if they had an additional $5,000. Thirty-five percent of millennial respondents who aren’t contributing to an IRA said they don’t know enough about them to consider using one. Gen X respondents, meanwhile, were more likely to say they didn’t have enough money to save more than they already do.
One thing people should consider when they are choosing an IRA: Whether the IRA company also provides financial advice, he says.

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And of those who do understand them, many say they simply cannot afford to save another dime. That’s not surprising, says TIAA, because there are a many competing priorities for this group (ages 36 to 51). Only 36 percent of the people surveyed said access to financial advice is important when they evaluate possible IRAs.
It took Tesla Motors nine days to notify automotive regulators that one of its cars had crashed while operating on autopilot, killing the driver. Shareholders had to wait another […]How George Soros Raked In Millions on the Brexit By Scott Martin, ContributorJuly 11, 2016 Risk management should never be a binary on-or-off proposition. Simply shuffling the hedges was all it took to earn $4.5 billion fund more money in a few weeks than just about any strategy has made all year.

George Soros got a lot of press in the lead-up to the British exit from the European Union […]Did Brexit Trading Glitches Doom Betterment’s Robo IPO Hopes?
By Scott Martin, ContributorJuly 4, 2016 Treating institutional clients like amateurs may not be the perfect recipe for keeping the AUM flowing fast enough to earn venture investors a strong exit before the window closes. Eyebrows all over the industry shot up when robot advisor Betterment unilaterally pushed “pause” on client trades on the wild morning after the Brexit vote. Now everything depends on follow-through, consistent client messaging and the courage to follow the future as it unfolds.

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