Rest-Easy Retirement: The Truth about Annuities PDF Download
Are you looking for read ebook online? Search for your book and save it on your Kindle device, PC, phones or tablets. Download Rest-Easy Retirement: The Truth about Annuities PDF full book. Access full book title Rest-Easy Retirement: The Truth about Annuities by Scott Stolz. Download full books in PDF and EPUB format.
Author: Scott Stolz
Publisher: Advantage Media Group
ISBN: 9781642257632
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
Why should you even consider an annuity? How can you determine if an annuity is right for you? You're about to find out. In Rest - Easy Retirement: The Truth about Annuities, Scott Stolz has written a guidebook for investors that shows how annuities can be an important component of anyone's investment portfolio. In addition to showing how different annuities are designed to address different financial goals, Scott also shows how they can enhance any investor's most basic and important financial goals. You'll discover how annuities work in your portfolio to: Help you to preserve wealth by providing protection against the ups and downs of the stock market. Allow you to accumulate wealth much faster than with investments that are taxed each year. Fund your retirement income until the day you die. For those investors who want to know more about the protections and benefits that annuities can offer, Scott Stolz offers an invaluable resource with Rest - Easy Retirement: The Truth about Annuities. Another bonus? This book is written in an enjoyable and conversational style that will answer any questions you may have about whether annuities are the right financial vehicle for your portfolio. In Rest - Easy Retirement: The Truth about Annuities, you'll find all that you need to know to be able to make the most of annuities in your investment decisions.
Author: Scott Stolz
Publisher: Advantage Media Group
ISBN: 9781642257632
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
Why should you even consider an annuity? How can you determine if an annuity is right for you? You're about to find out. In Rest - Easy Retirement: The Truth about Annuities, Scott Stolz has written a guidebook for investors that shows how annuities can be an important component of anyone's investment portfolio. In addition to showing how different annuities are designed to address different financial goals, Scott also shows how they can enhance any investor's most basic and important financial goals. You'll discover how annuities work in your portfolio to: Help you to preserve wealth by providing protection against the ups and downs of the stock market. Allow you to accumulate wealth much faster than with investments that are taxed each year. Fund your retirement income until the day you die. For those investors who want to know more about the protections and benefits that annuities can offer, Scott Stolz offers an invaluable resource with Rest - Easy Retirement: The Truth about Annuities. Another bonus? This book is written in an enjoyable and conversational style that will answer any questions you may have about whether annuities are the right financial vehicle for your portfolio. In Rest - Easy Retirement: The Truth about Annuities, you'll find all that you need to know to be able to make the most of annuities in your investment decisions.
Author: Wade Pfau
Publisher:
ISBN: 9781945640179
Category :
Languages : en
Pages : 0
Get Book Here
Book Description
Author: Allan S. Roth
Publisher: Wiley
ISBN: 9780470919033
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
Straightforward strategies from a successful young investor In How a Second Grader Beats Wall Street, you'll follow the story of Kevin Roth, an eight-year-old who was schooled in simple approaches to sound investing by his father, seasoned financial planner Allan Roth, and discover exactly how simple it can be to become a successful investor. Page by page, you'll learn how to create a portfolio with the widest diversification and lowest costs; one that can move up your financial freedom by a decade and dramatically increase your spending rate during retirement. And all this can be accomplished by using some common sense techniques. Along the way, Kevin and his dad discuss fresh, new approaches to investing, and detail some tried-and-true, but lesser known approaches. They also take the time to debunk the financial myths and legends that many of us accept as true, and show you what it really takes to build long-term wealth with less risk. Discusses how to design a portfolio composed of a few basic building blocks that can be "tweaked" to fit your personal needs Addresses how you can reengineer your portfolio in order to stop needlessly paying taxes Reveals how you can increase returns, regardless of which direction the market goes, by picking the "low-hanging fruit" we all have in our portfolios With just a little time and a little work, you can become a better investor. With this book as your guide, you'll discover how a simpler approach to today's markets can put you on the path to financial independence.
Author: Raymond J. Lucia, CFP
Publisher: Hay House, Inc
ISBN: 1401921329
Category : Business & Economics
Languages : en
Pages : 273
Get Book Here
Book Description
Most investors spend too much time trying to outguess the market and not enough time thinking about their long-term financial futures. That’s why today’s retirees (and soon-to-be retirees) need strategies, not stock tips. Nationally recognized Certified Financial Planner®, radio talk-show personality, and author Raymond J. Lucia shows you little-known concepts that can fatten your savings and boost your standard of living in retirement. In an easy-to-understand and often humorous style, Lucia details how ideas such as nontraded real estate investment trusts, 72(t) elections, and equity-indexed annuities can give you, the investor, a leg up on the path to retiring in comfort and safety. Lucia brings his 30 years of experience to bear in revealing how and when to tap your retirement plans, ways to use your home as a source of retirement dollars, and how to lower taxes on appreciated company stock. He’ll also explain how investing in low-income housing tax credits can help you tax-wise even as you assist others. Filled with hands-on, in-depth insights and practical advice, this book will give you all the tools you need to win at the retirement game.
Author: Daniel R. Solin
Publisher: Penguin
ISBN: 1101133694
Category : Business & Economics
Languages : en
Pages : 264
Get Book Here
Book Description
Follow the advice in The Smartest Retirement Book You'll Ever Read and you will: Find simple strategies to maximize your retirement nest egg Steer clear of scams that rob you of your hard-earned savings Ensure that your money lasts longer than you do Avoid the common mistakes that can leave your spouse impoverished Discover financial lifelines no matter how desperate the economy "If you want a handy guide that provides information in small chunks, Solin's book is it." -Newark Star-Ledger
Author: Frederick Vettese
Publisher: ECW Press
ISBN: 1773056417
Category : Business & Economics
Languages : en
Pages : 202
Get Book Here
Book Description
Canada’s #1 bestselling retirement income book is now completely revised and updated. Vettese will show you how to mitigate risk and secure your financial future in these unpredictable times. As COVID-19 rocks the economy in an unprecedented black swan event, retirees and those who are preparing to retire need answers to pressing questions about their financial futures. Originally published in 2018, the second edition of Retirement Income for Life, has been completely revised and updated, and now includes: New chapters on early retirement, retiring single, what to do when one spouse dies young, and more. Three strategies for mitigating your personal financial risk in the current downturn in equities and other investment products. Advice on how to plan for (and even benefit from) the coming bear market, resulting from COVID-19, which will create unprecedented equity buying opportunities, possibly as early as 2021. Information on the impact of unbearably low interest rates on annuities and fixed income investments and what to do if you hold them. The reasons retirees should be deferring CPP until age 70 and why the case for this is stronger than ever. Author Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice based on five enhancements the reader can make to mitigate risk and secure their financial future. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices — the way in which you draw down assets in retirement, ideally to have a secure income for the rest of your life — has become an urgent matter that no one can afford to ignore.
Author: Ray LeVitre CFP
Publisher: Sourcebooks, Inc.
ISBN: 1402296762
Category : Business & Economics
Languages : en
Pages : 310
Get Book Here
Book Description
You're in Control of Your Retirement Future Inside are twenty major financial decisions that could profoundly impact your lifestyle over the next forty years. For many retirees, these decisions come as a surprise and must be made hastily without proper consultation. But by reading the expert, commission-free advice in this fully revised and updated edition, you'll learn how to manage your assets and prepare for the best possible retirement. Do I have enough money to retire now? How will I cover my medical expenses during retirement? When should I begin taking Social Security? How much should I invest in stocks, bonds, and cash? What criteria should I use to identify the best investments? Should I cancel my life insurance policy? Should I pay off my mortgage at retirement?
Author: Ric Edelman
Publisher: Simon and Schuster
ISBN: 1476739862
Category : Business & Economics
Languages : en
Pages : 352
Get Book Here
Book Description
From one of America’s most trusted financial advisors: a guide to making the most of your retirement plans and assuring long-term financial security. Everyone knows that investing in your retirement is important. Yet only half of all eligible Americans contribute to a retirement plan. That’s because 401(k)s, 403(b)s, 457s, and IRA plans are complicated, confusing, and costly. New York Times bestselling author and acclaimed financial advisor Ric Edelman has counseled thousands of savers and retirees, and has accumulated his advice in this book. Edelman has created a step-by-step guide. With illuminating examples and simple explanations, he shares everything you need to know as a plan participant: how much you need to retire comfortably, how to make wise choices among your investment options, and how to maximize the benefits of your 401(k). Along the way, he debunks the myths and clears up the confusion.
Author: Jane Bryant Quinn
Publisher: Simon & Schuster
ISBN: 1982115831
Category : Business & Economics
Languages : en
Pages : 432
Get Book Here
Book Description
NOW COMPLETELY UPDATED to reflect the changes in tax legislation, health insurance, and the new investment realities. In this “highly valuable resource” (Publishers Weekly, starred review) Quinn “provides simple, straightforward” (The New York Times) solutions to the universal retirement dilemma—how to make your limited savings last for life—covering mortgages, social security, income investing, annuities, and more! Will you run out of money in your older age? That’s the biggest worry for people newly retired or planning to retire. Fortunately, you don’t have to plan in the dark. Jane Bryant Quinn tells you how to squeeze a higher income from all your assets—including your social security account (get every dollar you’re entitled to), a pension (discover whether a lump sum or a lifetime monthly income will pay you more), your home equity (sell, rent, or take a reverse mortgage?), savings (how to use them safely to raise your monthly income), retirement accounts (invest the money for growth in ways that let you sleep at night), and—critically—how much of your savings you can afford to spend every year without running out. There are easy ways to figure all this out. Who knew? Quinn also shows you how to evaluate your real risks. If you stick with super-safe investment choices, your money might not last and your lifestyle might erode. The same might be true if you rely on traditional income investments. Quinn rethinks the meaning of “income investing,” by combining reliable cash flow during the early years of your retirement with low-risk growth investments, to provide extra money for your later years. Odds are, you’ll live longer than you might imagine, meaning that your savings will stretch for many more years than you might have planned for. With the help of this book, you can turn those retirement funds into a “homemade” paycheck that will last for life.
Author: Wade Donald Pfau
Publisher: Retirement Researcher Guid
ISBN: 9781945640063
Category : Business & Economics
Languages : en
Pages : 368
Get Book Here
Book Description
Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
