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Author: Frederick Vettese
Publisher: John Wiley & Sons
ISBN: 1119111129
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: 1119111129
Category : Business & Economics
Languages : en
Pages : 293
Get Book
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: Larry E. Swedroe
Publisher: Harriman House Limited
ISBN: 0857198386
Category : Business & Economics
Languages : en
Pages : 239
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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: Jeff Haanen
Publisher: Moody Publishers
ISBN: 0802497632
Category : Religion
Languages : en
Pages : 208
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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: Cfp Peter Thomann Ea
Publisher: Thomann Tax & Asset Management Incorporated
ISBN: 9780615815008
Category :
Languages : en
Pages : 164
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Book Description
The Road to FDNY Retirement: A tax and retirement planning guidebook for active & retired FDNY members is the second book of a series of New York City retirement planning books. The first book of the series, The Road to NYPD Retirement, has been edited to be relevant to FDNY members. Both FDNY & NYPD members face similar retirement planning decisions and often have the same questions regarding their retirement. The Road to FDNY Retirement will provide active, soon-to-retire, and retired FDNY personnel with a working knowledge of retirement planning and an in-depth consideration of important matters, including determining an optimal retirement date, election of final distribution, New York City Deferred Compensation Plan distributions, rollovers, union annuity plan distributions, and tax issues. This straightforward and easy to read guidebook will assist FDNY members in understanding relevant retirement planning issues. Topics include: FDNY pension calculations based on twenty years of service and beyond; Analysis of final distribution and rollover choices; Tax and distribution issues; IRC 72(t) exception; Roth IRA; and Tax planning case study for an accidental disability retiree. Retiring from the FDNY today is very different from thirty years ago. While The Road to FDNY Retirement is not meant to provide all of the answers to the complex decisions facing active and retired members of the FDNY today, it will unquestionably provide a solid understanding of tax and retirement planning issues specific to this community and help ensure a secure and stable foundation for the years to come.
Author: Jan Cullinane
Publisher: John Wiley & Sons
ISBN: 1118283007
Category : Business & Economics
Languages : en
Pages : 182
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Book Description
AWARDS: Silver Living Now Book Award, Mature Living/Aging 2014 (Silver) If you’re one of the 25 million single women over the age of 45 living in the United States today, AARP’s The Single Woman’s Guide to Retirement is your new best friend. Walking you through the challenges of retired or pre-retired life, from managing your finances to staying healthy in body, mind, and spirit, dealing with divorce, and even looking for love or work, the book covers the issues that really matter to you. Whether you’re looking for a retirement home or planning a cruise, this book is packed with specific details to help take the guesswork out of retirement. Author and retirement expert Jan Cullinane has gathered real-life stories from women just like you to illustrate your options and give you fresh new ideas about how to make the most of your retirement years.
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: Thomann
Publisher:
ISBN: 9780578445021
Category :
Languages : en
Pages :
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Book Description
Author: Jonquil Lowe
Publisher: Kogan Page Publishers
ISBN: 1789667607
Category : Business & Economics
Languages : en
Pages : 329
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Book Description
Not sure what retirement actually includes or how to prepare for it? Whether it is a relaxing, action-packed or financially rewarding retirement you want, this is the book for you. 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 Good Retirement Guide 2021 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. Updated for the new financial year, The Good Retirement Guide 2021 is packed with hundreds of useful hints, tips and insights into your retirement preparation. Including information on: finance (investments, pensions, annuities and drawdown, benefits and tax), housing, health, holidays, starting a business and looking after elderly parents, this book will help you to save more, live better and be happier.
Author: Natalie B. Choate
Publisher:
ISBN:
Category : Estate planning
Languages : en
Pages : 472
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Book Description
