This change will have no affect on your retirement funds. -
What is:
This change will have no effect on your retirement funds.
If you are choosing a noun, your correct choice will be effect 99 percent of the time.
The medicine had no effect on her condition.
In the lab it is difficult to duplicate the effect of the weather on the siding.
His mood always has an effect on mine.
If it is not easy for you to distinguish between a noun (a person, place, thing, or idea) and a verb (a word that generally shows action), here is a tip: If you can insert the word bad or good in front of the word and it makes sense, it is a noun.
Applying the bad or good tip to choosing affect or effect, if you can insert bad or good in front of the word, 99 percent of the time your correct choice will be effect. Examples:
The medicine had no [good] effect on her condition.
This change will have no [bad] effect on your retirement funds.
His mood always has a [good] effect on mine.
Compare these sentences, in which neither bad nor good makes sense before the word without restructuring the sentence. That means you need affect, the verb:
The weather affects school opening.
This change will not affect your retirement funds.
His mood always affects mine.
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