Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor ...

Defined benefit plans guarantee a set retirement payout, reducing investment risk for employees. These plans are rare in the private sector, with employers bearing the majority of funding and risk.

Memory is the faculty by which the brain encodes, stores, and retrieves information. It is a record of experience that guides future action. Memory encompasses the facts and experiential details that ...

Daniel Liberto is a journalist with over 10 years of experience working with publications such as the Financial Times, The Independent, and Investors Chronicle. Robert Kelly is managing director of ...