When evaluating a fund, one of the first sets of numbers you'll likely look up is its past returns. But those are not the returns that owners of that fund actually earned.

Fact checked by Vikki Velasquez Key Takeaways Retirement planning starts with clarity—use calculators and set goals to understand how much you’ll need and how to get there.Strategies like Roth 401(k)s ...

An annuity is a financial product that provides a stream of income over a set period. Annuities are often used in retirement planning as a way to generate income from a lump sum investment.

Putting a figure on how much you have in pension savings now makes it much easier to work out how much you can drawdown each year in retirement without running out of money ...