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Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111137
Category : Business & Economics
Languages : en
Pages : 293
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Book Description
Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.
Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111137
Category : Business & Economics
Languages : en
Pages : 293
Get Book Here
Book Description
Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.
Author: Allan Esler Smith
Publisher: Kogan Page Publishers
ISBN: 0749483989
Category : Business & Economics
Languages : en
Pages : 345
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Book Description
Whether it is a relaxing, action-packed or financially rewarding retirement you are planning for, this is the book for you. Revised and updated, The Good Retirement Guide 2019 is packed with hundreds of useful hints, tips and insights into your retirement preparation, including brand new advice on making a career change alongside retirement. In retirement, personal ambitions can be realized and new experiences enjoyed, yet with so much to consider, people are often unsure how best to plan for their future. The scope for concern and confusion is even greater with changing retirement ages and pension rules. With a growing boom in 'maturepreneurship', making the most out of retirement by changing to a new career or starting your own business only adds to the plethora of retirement options. The Good Retirement Guide 2019 is an indispensable book that you will refer to again and again, offering clear and concise suggestions on a broad range of subjects for pre-retirement planning in the UK. Including information on: Pensions; Tax; Investment; Starting Your Own Business; Leisure Activities; Paid Work & Changing Careers; Voluntary Work; How to Avoid Being Scammed; Mental and Physical Health; Holidays; Looking After Elderly Parents and Other Dependants; Personal Relationships; and Wills, this book will help you to save more, live better, and be happier.
Author: Jeff Haanen
Publisher: Moody Publishers
ISBN: 0802497632
Category : Religion
Languages : en
Pages : 160
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Book Description
What am I going to do with my retirement? People talk about retirement like it’s supposed to be an endless vacation. But what if, like the majority of those facing retirement, you can’t afford such a luxury? Or, what if you just want something more from retirement? Some advocate for no retirement at all. But you’ve worked for decades and a rest and reprieve do sound appealing. What should you do? Does God have a purpose for your retirement? Yes, He does. Learn how to discern what it is by taking an uncommon approach. Jeff Haanen looks biblically and practically at the need for rest and purpose in retirement. And teaches you how to: Take a sabbatical rest in early retirement Listen to God’s voice for their calling in retirement Rethink “work” in retirement Understand family systems and leaving a legacy Planning retirement doesn’t have to be distressing. Retire in a way that’s God-honoring, purpose-filled, restful, and truly biblical.
Author: Larry E. Swedroe
Publisher: Harriman House Limited
ISBN: 0857198386
Category : Business & Economics
Languages : en
Pages : 229
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Book Description
Fully revised and updated second edition. This is your one-stop, definitive resource as you prepare for a secure and comfortable retirement. Investment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including: Social Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more. These topics are explained with the help of specialists in each subject. And everything is based on the "science of investing" – evidenced with studies from peer-reviewed journals. Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don't enter your retirement without it.
Author: David Trahair
Publisher: Cormorant Books
ISBN: 1770866124
Category : Business & Economics
Languages : en
Pages : 142
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Book Description
Let’s face it, planning and saving for retirement is not easy. We are told that the earlier we start the better and that the “magic of compounding” will make our dreams come true if we simply trust the stock market and our investment advisor. But for most people it’s simply not possible. People in their twenties are often saddled with student debt and may be struggling to find suitable full-time employment. Saving for retirement is the last thing on their minds, as it should be. Then in our thirties and forties we tend to do things like get married, have kids, and buy houses. All these things cost a lot of money! So for many people there simply isn’t any money left to put away for retirement. Therefore many of us become procrastinators when it comes to saving for retirement. But there is hope. This book will take you step-by-step though planning and saving for retirement starting in your fifties and the best way to fund your retirement years. It is designed for people approaching retirement who want to ensure it is comfortable and stress-free.
Author: Kenneth L. Fisher
Publisher: John Wiley & Sons
ISBN: 1118431065
Category : Business & Economics
Languages : en
Pages : 199
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Book Description
Whether you’re in retirement, just getting ready to retire, or 5, 10, or 40 years out, this book can help you invest smarter your whole life and yes, plan better for retirement. Harmful mythology abounds about retirement investing. Many retirees or soon-to-be retirees have heard a plethora of advice. Take 100 (or 120) and subtract your age to get your equity allocation, put the rest in bonds or cash. Buy only bonds. Buy only high dividend stocks. Or some combination! Buy equity-indexed annuities or some “guaranteed” income product. All examples of a potentially harmful myth many folks believe to be smart, strategic moves. Investors believe preparing for retirement requires a radically different set of tools or a dizzying array of products. Navigating the world of retirement products and services can be a full-time job. But investing for retirement is, in practice, not much (if at all) different from investing. In Your Retirement Plan, Ken Fisher will give readers a workable strategy to either develop their own retirement investing plan or work more successfully with a professional to increase the likelihood of achieving long-term goals while avoiding common pitfalls. The book will include easy-to-follow steps like How to think, correctly, about investing time horizon. How to better figure how much income you need How to determine if a portfolio can provide that income How to figure how much to save each year to achieve retirement goals What pitfalls to avoid And more. . . . In this retirement planning book that's not just for retirees, Fisher will hand readers the tools and confidence they need to better plan for the future.
Author: Randy Silvey
Publisher: Silverlight Financail Incorporated
ISBN: 9780692335666
Category :
Languages : en
Pages : 128
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Book Description
An outstanding and thorough resource for past and present Federal employees. A clear-cut guide through the maze of Federal benefits. No unnecessary jargon, just plain English. Explore Federal Employees Retirement System (FERS), Civilian Service Retirement System (CSRS) and Postal Employee benefits including - Thrift Savings Plan (TSP), Government Pension(s), the possibilities of qualifying for a "bridge" annuity and Social Security Administration (SSA) Retirement benefits (some CSRS employees may not qualify). Veteran Wealth Advisor (and past Federal employee), Randy Silvey, reveals exceptional insight and knowledge that his 13 years' experience assisting Federal employees has afforded him. Including; when is it ok for you to retire? How to financially prepare for retirement? Steps to take when you are ready to retire.
Author: Wade Pfau
Publisher:
ISBN: 9781945640179
Category :
Languages : en
Pages : 0
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Book Description
Author: Taylor Larimore
Publisher: John Wiley & Sons
ISBN: 0470919019
Category : Business & Economics
Languages : en
Pages : 407
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Book Description
The Bogleheads are back-with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor. Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.
Author: Jeffrey J. Wuorio
Publisher: Dorling Kindersley Ltd
ISBN: 0241882818
Category : Business & Economics
Languages : en
Pages : 457
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Book Description
A necessary plan for a secure and comfortable retirement. Everybody wants to retire with personal and financial peace of mind. But the question is always; will there be enough money to fund a comfortable lifestyle? That's where this book comes to the rescue, addressing every concievable concern - from healthcare to Social Security - about setting up a sound plan for retirement. And it's never too late to start. ? The Centre for Retirement Research at Boston College reports that 43% of Americans fall short of their pre-retirement income. ? Robert Powell of MarketWatch agrees that 'Americans have little set aside for retirement' ? Written by a nationally recognised financial expert ? Perfect for the nearly eight million baby boomers approaching retirement
