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Author: Fred Vettese
Publisher: John Wiley & Sons
ISBN: 111849864X
Category : Business & Economics
Languages : en
Pages : 294
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Book Description
Straight Talk and solid retirement advice for all Canadians In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings. Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.
Author: Fred Vettese
Publisher: John Wiley & Sons
ISBN: 111849864X
Category : Business & Economics
Languages : en
Pages : 294
Get Book Here
Book Description
Straight Talk and solid retirement advice for all Canadians In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings. Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.
Author: John D VanWeelden
Publisher: Greenleaf Book Group
ISBN: 1632997983
Category : Business & Economics
Languages : en
Pages : 235
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Book Description
Reimagine Retirement Planning: How to Create Stable, Increasing, Tax-Efficient, Lifetime Income Gone are the days of traditional retirement planning. The idea that you can simply save a certain amount and retire with confidence is flawed, dangerous even, as it does not account for today’s volatile financial markets, increasing life expectancy, interest rates, and every individual’s unique retirement lifestyle needs. Drawing from his experience advising retirees through some of the most financially turbulent decades, VanWeelden doesn’t just offer another retirement guide—he challenges the conventional wisdom, revolutionizes the way we approach retirement, and cuts through the myths, hype, and propaganda to reveal the truth about retirement income planning and investing. VanWeelden’s solution is simple and highly effective: Truly reliable retirement planning is based on creating stable, increasing, tax-efficient, lifetime income, and, above all else, mitigating risk. Using this practical guide, you will identify how to generate all the income you’ll ever need while minimizing the various risks along the way. Whether you have an abundance of resources or you’re just hoping what you have will last a lifetime, this is your comprehensive road map to retire with unwavering confidence, unlock the full potential of your years of hard work, and achieve your retirement dreams.
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: Olivia S. Mitchell
Publisher: Oxford University Press
ISBN: 0192562401
Category : Business & Economics
Languages : en
Pages : 320
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Book Description
Financial market developments over the past decade have undermined what was once thought to be conventional wisdom about saving, investment, and retirement spending. How Persistent Low Returns Will Shape Saving and Retirement explores how the weak capital market performance predicted for the next several years will shape pension saving, investment, and decumulation plans. Academics, policymakers, and industry leaders debate alternative strategies to cope with these challenges globally, as economic growth remains slow and low returns become the 'new normal.' This volume includes contributions from plan sponsors, benefit specialists, actuaries, academics, regulators, and others working to design resilient pensions for the next decades. Together, they identify several new tools for retirement savers and pension managers.
Author: Robert Louis Clark
Publisher: Edward Elgar Publishing
ISBN: 9781845425548
Category : Education
Languages : en
Pages : 328
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Book Description
[This book] provides tools and insights for university and college administrators to use when evaluating changes in retirement policy, and it presents valuable information in the form of case studies concerning changes in retention policies and retirement policies. Lisa M. Dickson, Industrial and Labor Relations Review This volume, a collection of papers presented at the 2004 TIAA-CREF Institute conference on higher education, contains many excellent chapters. John Heuer, Journal of Pension Economics and Finance This book enlightens the reader about two important policy issues, health care provision and retirement plans, by addressing both broad macro issues and specific concerns of higher education administrators. Such content is both valuable and practical for the concerned higher education researcher and administrator. Marc Kaulisch, The Review of Higher Education Attracting and retaining highly qualified faculty is essential to maintaining productivity at institutions of higher education. Colleges and universities are at a critical juncture in their history as they attempt to achieve their teaching and research goals. This volume examines some of the most pressing employment and compensation issues confronting academic administrators. Contributors discuss topics such as: ageing of faculty, changing economic conditions and shifts in faculty employment patterns, rapid increases in health care costs and trends in retiree health insurance, and adoption of phased and early retirement programs. The volume also includes a series of case studies on how individual universities are confronting these challenges. Institutions in these case studies include: Syracuse University, the University of North Carolina, the University of California, institutions in the Association of New American Colleges, and other colleges and universities included in several surveys and research projects. This timely volume will appeal to academic administrators at colleges and universities in the US and internationally as they face the common challenges of rising employment costs, faculty aging and global competition. Researchers interested in the future of higher education, economics, and the academic labor market in general will find this a valuable addition to their library.
Author: United States. Employment Standards Administration
Publisher:
ISBN:
Category : Age and employment
Languages : en
Pages : 438
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Book Description
Author: Erica Alini
Publisher: Sristhi Publishers & Distributors
ISBN: 9395192348
Category : Self-Help
Languages : en
Pages : 132
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Book Description
Confused whether to buy a house or rent it? How to manage debts? Is it really essential to have a passive income source to aid wealth creation? MONEY LIKE YOU MEAN IT is a personal finance tool kit to help you manage finance in the real world. For the new age investors, who want to make the most of what they have, this is a treasure trove of information! - Smart tools to aid wealth generation and management - Learn the ins and outs of smart borrowing and debt management - Practical insurance advice and budgeting techniques - Hands-on insights into savings for retirement - Packed with recent and relevant examples
Author: Zvi Bodie
Publisher: University of Chicago Press
ISBN: 0226062910
Category : Business & Economics
Languages : en
Pages : 214
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Book Description
Pensions in the U.S. Economy is the fourth in a series on pensions from the National Bureau of Economic Research. For both economists and policymakers, this volume makes a valuable contribution to current research on pensions and the economics of the elderly. The contributors report on retirement saving of individuals and the saving that results from corporate funding of pension plans, and they examine particular aspects of the plans themselves from the employee's point of view. Steven F. Venti and David A. Wise offer a careful analysis of who contributes to IRAs and why. Benjamin M. Friedman and Mark Warshawsky look at the reasons more retirement saving is not used to purchase annuities. Personal saving through pension contribution is discussed by B. Douglas Bernheim and John B. Shoven in the context of recent government and corporate pension funding changes. Michael J. Boskin and John B. Shoven analyze indicators of the economic well-being of the elderly, addressing the problem of why a large fraction of the elderly remain poor despite a general improvement in the economic status of the group as a whole. The relative merits of defined contribution versus defined benefit plans, with emphasis on the risk aspects of the two types of plans for the individual, are examined by Zvi Bodie, Alan J. Marcus, and Robert C. Merton. In the final paper, pension plans and worker turnover are the focus of the discussion by Edward P. Lazear and Robert L. Moore, who propose pension option value rather than the commonly used accrued pension wealth as a measure of pension value.
Author: United States. Advisory Council on Social Security (1994-1996)
Publisher:
ISBN:
Category : Social security
Languages : en
Pages : 516
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Book Description
Author: United States. Advisory Council on Social Security (1994-1996)
Publisher:
ISBN:
Category : Social security
Languages : en
Pages : 514
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Book Description
