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Author: George W. Hawley
Publisher:
ISBN: 9781890622572
Category : Business & Economics
Languages : en
Pages : 132
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Book Description
Author: George W. Hawley
Publisher:
ISBN: 9781890622572
Category : Business & Economics
Languages : en
Pages : 132
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Book Description
Author: Mark J. Staley
Publisher:
ISBN:
Category : Social Science
Languages : en
Pages : 248
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Book Description
Author: Marvin Berenson M D
Publisher:
ISBN: 9780970088567
Category :
Languages : en
Pages : 312
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Book Description
Dynamic Retirement: A Guide to Transforming Your Life by Marvin H. Berenson, M.D., presents retirement as a transition into a new and exciting life. Through reflections on his own life quest and his work as a psychiatrist over many years, Dr. Berenson, Clinical Professor Emeritus of Psychiatry at the USC Keck School of Medicine, a retiree himself, presents the world of retirement with its multidimensional possibilities as a time for self-discovery, growth and adventure. The heart of the book is its essential focus on transformation and opening to seniors the immensely exciting prospect of changing their lives and their world. Having taught the art and techniques to develop creativity for many years, Dr. Berenson has written a unique chapter on creativity and the imagination. Seniors learn techniques, including specific mental imagery exercises, that he has successfully used to enhance creativity, improve artistic and literary skills, help athletes maximize their performances and treat various physical and emotional problems. Chapters on exploring the inner self and coming to understand one's inner conflicts add to the methods used to change one's life. Broadening the concepts of love and developing spirituality are among other chapters that contribute to seniors learning a new dynamic way of transforming their lives. The book fits precisely into his belief that people can change their thinking and behavior by following certain guidelines.Dr. Berenson has a lifelong interest in creativity, mental imagery, sexual behavior and spirituality. He holds a firm belief that no one should live life unfulfilled or stymied by inner or outer obstacles. He has devoted his life to helping many people overcome barriers, and thus freeing them to lead happy and meaningful lives. He watched as people grew and flourished. He is convinced that by knowing how to overcome negative mindsets people are capable of changing how they think and how they live. If they want to change, change is ahead. They only need to know the techniques and methods to pursue a new path. This book describes the many vehicles and methods that seniors can follow to enrich their lives. It helps seniors establish new goals, cope with the challenge of maintaining health in an aging body, deal with the loss of loved ones and the inevitability of one's own death.Stressing that mental and physical exercises are the true elixir of life, he describes a diet, weight control and exercise programs that are self-directed, effective, easy-to-use and a true departure from those currently being offered. Dr. Berenson wholeheartedly emphasizes the delightful value of romance for singles and couples and describes very effective techniques to enhance one's sex life. These techniques have proven to be successful for numerous people. Dynamic Retirement: A Guide to Transforming Your Life is a practical, inspirational guide for experiencing the new freedom of retirement.
Author: R Gene Stout
Publisher:
ISBN:
Category :
Languages : en
Pages : 15
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Book Description
This paper develops a dynamic model of retirement withdrawal planning that allows retirees and financial planners to improve the probability of retirement portfolio success while simultaneously increasing the average withdrawal rate. The key elements of the model are periodic adjustments of retirement withdrawal rates based on both portfolio performance and remaining life expectancy, and Monte Carlo simulation of both investment returns and mortality. The inclusion of mortality in fixed planning horizon models reduces the probability of retirement-portfolio ruin by almost 50%. When compared to fixed withdrawal rate models, dynamic withdrawal management incorporating mortality reduces the probability of ruin by another 35-40% while increasing average lifetime withdrawal rates by nearly 50%.
Author: William Moore
Publisher: eBookIt.com
ISBN: 1456648624
Category : Self-Help
Languages : en
Pages : 208
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Book Description
Discover the Golden Years of Opportunity: Transform Your Retirement into a Vibrant New Beginning Imagine waking up each day to a life brimming with passion, purpose, and boundless opportunity. "Retirement Reimagined: The Ultimate Guide to Active and Meaningful Pathways" offers a fresh and invigorating perspective on what the golden years can truly be. Gone are the days of viewing retirement as a time for winding down. This guide illuminates the path towards a retirement replete with adventure, learning, and fulfillment. Redefining Retirement for the Modern Age, this comprehensive tome begins by challenging conventional notions, inviting you to envision a future where retirement means growth, exploration, and the pursuit of passions old and new. Through understanding the new dynamic retirement landscape, you'll be inspired to craft a personal vision that's as unique as you are. Embark on a journey of self-discovery as you explore newfound interests, hidden talents, and leisures that balance personal growth with sheer enjoyment. Retirement Reimagined guides you through cultivating a lifestyle that not only maintains physical and mental agility but nourishes them. Whether it's through volunteering, embracing the digital age, or pursuing hobbies, every chapter serves as a stepping-stone towards realising a fulfilling and active retirement. For those looking to give back, build lasting connections, or even delve into entrepreneurship, this guide covers it all. Learn how to navigate financial planning to ensure a secure, yet vibrant future. From the joys of travel and adventure to the significance of intergenerational connections and crafting your legacy, every aspect of retirement is explored with depth, sensitivity, and practical advice. Your retirement is an expansive horizon, a time of life rich with possibilities for personal development and joy. Retirement Reimagined is not just a book but a companion for anyone standing on the threshold of retirement or navigating through it, seeking to infuse their days with meaning and excitement. Step into your retirement with confidence and joy, knowing the best years are still ahead, waiting to be seized and celebrated. Embark on this transformative journey and embrace the opportunity to live your retirement years as you have always dreamed. The time to start is now.
Author: Wolfram J. Horneff
Publisher:
ISBN:
Category : Retirees
Languages : en
Pages : 44
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Book Description
Retirees confront the difficult problem of how to manage their money in retirement so as to not outlive their funds while continuing to invest in capital markets. We posit a dynamic utility maximizer who makes both asset location and allocation decisions when managing her retirement financial wealth and annuities, and we prove that she can benefit from both the equity premium and longevity insurance in her retirement portfolio. Even without bequests, she will not fully annuitize; rather, her optimal stock allocation amounts initially to more than half of her financial wealth and declines with age. Welfare gains from this strategy can amount to 40 percent of financial wealth (depending on risk parameters and other resources). In practice, it turns out that many retirees will do almost as well by purchasing a variable annuity invested 60/40 in stocks/bonds.
Author: Qintian Sun
Publisher:
ISBN:
Category : Electronic dissertations
Languages : en
Pages :
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Book Description
We developed a retirement financial planning strategy based on Markov chain modeling of retirement health conditions and Geometric Brownian Motion modeling of asset values. The annual living expenses of a retiree are modeled as basic expenses plus discretionary expenses. Our goal is to solve for the maximum discretionary expenses while healthy, which was obtained using a closed-form solution and quantile optimization technique. The highlight of this model is the use of Kalman Filter for annual recalibration. It allows the model to automatically adjust the suggested amount of discretionary expenses by looking at daily fund values from previous year. After running a lot of simulations and testings, we showed that our dynamic model beats other static models and a naive recalibration model in the sense that it virtually eliminates ruin and is able to let a retiree withdraw the largest possible amount.
Author: Elsie K. Perlmutter
Publisher:
ISBN: 9780877710332
Category : Retirement
Languages : en
Pages : 224
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Book Description
Author: Jonathan Gruber
Publisher: University of Chicago Press
ISBN: 0226309983
Category : Political Science
Languages : en
Pages : 752
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Book Description
Social Security Programs and Retirement around the World represents the second stage of an ongoing research project studying the relationship between social security and labor. In the first volume, Jonathan Gruber and David A. Wise revealed enormous disincentives to continued work at older ages in developed countries. Provisions of many social security programs typically encourage retirement by reducing pay for work, inducing older employees to leave the labor force early and magnifying the financial burden caused by an aging population. At a certain age there is simply no financial benefit to continuing to work. In this volume, the authors turn to a country-by-country analysis of retirement behavior based on micro-data. The result of research compiled by teams in twelve countries, the volume shows an almost uniform correlation between levels of social security incentives and retirement behavior in each country. The estimates also show that the effect is strikingly uniform in countries with very different cultural histories, labor market institutions, and other social characteristics.
Author: Jeff Townsend
Publisher:
ISBN: 9780578775890
Category :
Languages : en
Pages : 216
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Book Description
YOUR GPS TO HELP NAVIGATE RETIREMENT ROAD!Whether still on the road to retirement (or for those retirees already arrived), there are increasingly complex financial challenges and choices. Securing retirement income in a dynamic, oftentimes volatile economy can be unnerving, even treacherous: one wrong turn can wipe out a lifetime of savings and planning.The Road to Retirement 3.0 is designed to help you travel along this perilous path with confidence, knowing that you're making all the right moves and the best decisions for yourself and your family.In this informative and easy-to-read book, long-time retirement planning expert Jeff Townsend reveals how you can determine your retirement income needs and chart a course to your financial and personal goals.The Road to Retirement 3.0 introduces you to Social Security, Medicare, and Medicaid, and the many other programs that can help you. You'll receive guidance on choosing and funding your IRA or 401(k) retirement account, and how to get the most from your employer's pension plan. The book covers tax planning, investing in the stock and bond markets, creating trusts, estate planning, and even how to plan a purposeful retirement filled with fun and personal enrichment.The Road to Retirement 3.0 is your indispensable guide to making the most of what can be a rewarding trip during a long and happy life!
