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Roughly 1 out of every 6 dollars in the Textron Savings Plan sits in the Textron Stock Fund, and most people holding it never chose to buy it. Net unrealized appreciation can change how that stock gets taxed, splitting it into cost basis taxed as ordinary income now and appreciation taxed as a long term capital gain later. The election is permanent, and rolling the shares into an IRA first generally ends it. Here is what has to happen, and when a full rollover is still the be

The market hitting a new high does not automatically mean it is about to crash. Here is how retirees should think about short term money, long term money, and market headlines.

Some investments create value through earnings, rent, interest, or cash flow. Others only work if someone else pays more later. If you’re within 5 years of retirement, knowing the difference matters.