Among the best stories from Retirement Daily for April 8 - 12: Robo-advisers, getting the most from Social Security, and making your credit cards work for you.

The good thing about robo-advisers, according to some recent research, is that they make it easier and less costly to open investments accounts and receive financial advice, as well as plan and automate investment decisions. Using these online automated platforms is increasingly popular, according to the authors of Robo-Advisers: Investing Through Machines, a World Bank research and policy brief. But, they caution, the rise of robo-advisers requires consumers to understand the limitations of these services and to get proper financial education. Policy makers need to grapple with the impact of robo-advisers on the overall financial system, as well as reassess their regulatory and supervisory practices. This is just one of the many retirement related studies and surveys in New Retirement Research (April 9 2019). Other work featured this week includes research related to retirement, including research into opioid abuse, social security programs around the world, and weaknesses in pension plans.

And in case you missed them, here are more great stories from Retirement Daily:

Ask Bob: Getting the Highest Social Security Spousal Benefits

A reader wants to know about claiming higher spousal benefits at full retirement age.

Ask Bob: How Early Retirement Affects Social Security

A reader is retiring after 30 years in the workforce, and wants to know what that will do to their Social Security benefits.

How to Make Your Credit Cards Make Money for You

Jeanette Pavini looks at how you can use credit card rewards and perks to your advantage.

Roth 401(k) Is a Great Form of Tax Diversification

In the U.S., those saving save for retirement can use any number of accounts, products and investments. One such account is the Roth 401(k), which allows participants to make after-tax contributions to their 401(k) plan. Contributions accrue earnings tax-free and allow for tax-free distributions in retirement. In this report, Brad Rosley provides details about the Roth 401(k) that those saving for retirement should know.

How to Use an Inherited IRA to Create a Family Fortune

Financial adviser David Dixon explains how to manage inherited IRA money to maximize benefits and minimize taxes.

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