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New York Markets After Hours

need to know
U.S. stocks end flat as oil continues to slide
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
How to get a free Chipotle burrito
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

What to know before buying Beyoncé tickets

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one cheeky map
Boston Globe susses out San Francisco, c. 2016

How to get your mortgage approved

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

These charts detail S&P 500’s precarious posture
Michael Brush: Stock-market stars are aligned
Double-digit market decline in an election year?

White House forecasts decade-best economic growth
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Two women laugh holding their dogs as they wait in line for them to be blessed outside San Anton Church in Madrid, Spain, January 17, 2016. Hundreds of pet owners bring their animals to be blessed every year on the day of San Anton, Spain's patron saint of animals. REUTERS/Andrea Comas
Madrid’s metro system is going to the dogs
This dog walker makes $110,000 a year

Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Hurdle on Yelp’s path toward $1 billion in revenue

This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


/conga/frontpage.html 367487

Markets »

127.74MDow Volume:
Avg Vol: 129.39M
Unchanged
156
Decliners
4273
Advancers
2073
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,083 -20 0.97%
Gold
/quotes/zigman/33772884/delayed 1,189 -9 0.77%
Oil
/quotes/zigman/2260836/delayed 28.32 -1.37 4.61%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,471 -44 1.76%
Nikkei 225
/quotes/zigman/5986735/delayed 16,085 -919 5.40%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.01 0.93%
Yen
/quotes/zigman/16008150/realtime/sampled 115.11 -0.74 0.64%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.26%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.23%
DXY Index
/quotes/zigman/1652083/delayed 96.03 -0.65 0.67%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.29 -0.34 0.38%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 -0.02 1.27%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.02 8.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.69 -0.01 0.78%
Spain 10yr
/quotes/zigman/15866444/realtime 1.78 +0.03 1.43%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.41 0.00 0.07%
Japan 10yr
/quotes/zigman/15866525/realtime -0.02 -0.06 163.32%
Crude Oil
/quotes/zigman/2260836/delayed 28 -1 4.61%
Gold
/quotes/zigman/33772884/delayed 1,189 -9 0.77%
Corn
/quotes/zigman/25518691/delayed 361 -1 0.28%
DJIA F
/quotes/zigman/48241424/delayed 15,957 -31 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,848 -4 0.20%
Silver
/quotes/zigman/32655632/delayed 15 0 1.14%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
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MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/245568/composite DIS+0.22%
  • /quotes/zigman/13139813/composite SCTY-5.69%
  • /quotes/zigman/3059264/composite DUST+10.88%
  • /quotes/zigman/217978/composite APC-7.02%
  • /quotes/zigman/93928/composite PSEC-7.39%
X
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SmartMoney Blogs

Encore
A blog about living in and planning for retirement

Saving for Retirement: A New Way to Figure It Out

In the scant five weeks since we introduced the SmartMoney Retirement Planner, almost 30,000 people have used it to test-drive their retirement plans. Are they saving enough? Spending too little? In honor of today’s release of the tool for iPad and for Android, we compiled some of our favorite tips so you can get the most out of the Planner.

  • Spending Estimator: Unless you’re already retired, it’s hard to know how much you’ll really spend in retirement. The “Estimate This” button in our “Retirement Spending” tab can offer a guideline: It calculates spending based on your last salary before retirement. The spending is broken down according to the 2009 Bureau of Labor Statistics expenditure numbers for retirees. To go for broke, select “Exhaust Assets and Income.” After all, you can’t take it with you.
  • Other Future Expenses: Say you plan to travel for a year, or finally join your local country club. The Planner lets you account for one-time or recurring costs (outside of those fixed in “Retirement Spending”). To do so, enter negative numbers in the “Future Income” drop-downs labeled “Annuity” (for a recurring expense) or “One Time Gain” (for a one-shot deal).
  • Required Minimum Distributions (RMD): Once you hit 70 years old, the U.S. government requires you to withdraw a certain percentage of money from your retirement accounts, excluding Roth IRAs. The IRS has pages of information on RMDs, including a different set of rules depending on your marital status and how old your spouse is (if you have one). Our planner accounts for all of these rules. The only way to get around them is to move more money into a Roth IRA. You can also set your drawdown preferences on the lower left of the “Future Income” tab by clicking “View Drawdowns.”
  • Optimize Your Savings: If you have not yet retired and are still saving, but don’t know which accounts to use, the SmartMoney Retirement Planner can help. Set your annual savings and select the “Your Held Assets” tab. On the bottom left, click “Optimize Savings.” Then, when you add any investment or retirement account, click “Contributing to this account” and the planner will tax-optimize your savings.
  • Taxes: Anyone attuned to local and national politics knows that taxes are a great unknown, open to the whims of deficits and policy. The Planner defaults to a tax rate of 13.6%, the average tax rate in 2008 paid by the top 50% of tax payers, according to the Tax Foundation. (We don’t tax Roth IRA withdrawals, of course.) Have your own view on taxes? Change your tax rates and other assumptions in the “Advanced Settings” tab.

If you find your own secrets or have ideas for new features, feel free to send them on.

Comments

We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

Comments (2 of 2)

View all Comments »

About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.

MarketWatch - Stock Market Quotes, Business News, Financial News
Investor Alert

New York Markets After Hours

need to know
U.S. stocks end flat as oil continues to slide
Apple CEO Cook’s deleted Super Bowl tweet
Google CEO Pichai gets $199 million in stock
How to get a free Chipotle burrito
What to expect from Whole Foods earnings
Sears warns on sales, to speed up closures

What to know before buying Beyoncé tickets

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one cheeky map
Boston Globe susses out San Francisco, c. 2016

How to get your mortgage approved

Can oil get so cheap that it won’t pay to extract it?
Oil sinks under $29 as EIA lowers price outlook
Barron’s Buzz: How low can the price of oil go?

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

These charts detail S&P 500’s precarious posture
Michael Brush: Stock-market stars are aligned
Double-digit market decline in an election year?

White House forecasts decade-best economic growth
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Two women laugh holding their dogs as they wait in line for them to be blessed outside San Anton Church in Madrid, Spain, January 17, 2016. Hundreds of pet owners bring their animals to be blessed every year on the day of San Anton, Spain's patron saint of animals. REUTERS/Andrea Comas
Madrid’s metro system is going to the dogs
This dog walker makes $110,000 a year

Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


Hurdle on Yelp’s path toward $1 billion in revenue

This has been the No. 1 car in America for decades
How far can you get on $50 in gas?


/conga/frontpage.html 367487

Markets »

127.74MDow Volume:
Avg Vol: 129.39M
Unchanged
156
Decliners
4273
Advancers
2073
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,083 -20 0.97%
Gold
/quotes/zigman/33772884/delayed 1,189 -9 0.77%
Oil
/quotes/zigman/2260836/delayed 28.32 -1.37 4.61%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,471 -44 1.76%
Nikkei 225
/quotes/zigman/5986735/delayed 16,085 -919 5.40%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 24,021 -266 1.10%
Singapore
/quotes/zigman/1709939/delayed 2,623 +65 2.53%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 +0.01 0.93%
Yen
/quotes/zigman/16008150/realtime/sampled 115.11 -0.74 0.64%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 +0.00 0.26%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 0.00 0.23%
DXY Index
/quotes/zigman/1652083/delayed 96.03 -0.65 0.67%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.29 -0.34 0.38%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 -0.02 1.27%
German 10y
/quotes/zigman/15866409/realtime 0.24 +0.02 8.00%
Italy 10yr
/quotes/zigman/15866497/realtime 1.69 -0.01 0.78%
Spain 10yr
/quotes/zigman/15866444/realtime 1.78 +0.03 1.43%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.41 0.00 0.07%
Japan 10yr
/quotes/zigman/15866525/realtime -0.02 -0.06 163.32%
Crude Oil
/quotes/zigman/2260836/delayed 28 -1 4.61%
Gold
/quotes/zigman/33772884/delayed 1,189 -9 0.77%
Corn
/quotes/zigman/25518691/delayed 361 -1 0.28%
DJIA F
/quotes/zigman/48241424/delayed 15,957 -31 0.19%
S&P F
/quotes/zigman/43106711/delayed 1,848 -4 0.20%
Silver
/quotes/zigman/32655632/delayed 15 0 1.14%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
Visit the quote page and your most recently viewed stocks will automatically be displayed here.
Please log in to view your watchlist
MarketWatch Portfolio

World News from MarketWatch

Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.88% 11.62%
Business 13.12% 13.11% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.30% 14.12%
Airline 15.17% 15.16% 15.10%
Cash Back 15.26% 15.23% 15.27%
Reward 15.28% 15.25% 15.14%
Instant Approval 18.21% 18.18% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

SPONSORED SECTIONS

Trending Tickers
  • /quotes/zigman/245568/composite DIS+0.22%
  • /quotes/zigman/13139813/composite SCTY-5.69%
  • /quotes/zigman/3059264/composite DUST+10.88%
  • /quotes/zigman/217978/composite APC-7.02%
  • /quotes/zigman/93928/composite PSEC-7.39%
X
Powered by StockTwits
Link to MarketWatch's Slice.

As of July 2, 2013, the SmartMoney content you loved now lives on MarketWatch.

MarketWatch will continue to provide the same important news and information you rely on every day. And, as a MarketWatch user, you will be able to enjoy:

  • Personalized news and quote email alerts
  • Editorial e-newsletters about personal finance, mutual funds and market-specific coverage
  • Premium newsletters by our market experts
  • Games, such as Virtual Stock Exchange and Beat the Darts
  • Free WSJ.com registration