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Business & Economics

401(k)—The Path to a Prosperous Retirement

401(k)—The Path to a Prosperous Retirement PDF Author: Vivian R. McDougle
Publisher: iUniverse
ISBN: 1491777249
Category : Business & Economics
Languages : en
Pages : 74

Book Description
401(k)—The Path to a Prosperous Retirement: Avoid the Traps. Find the Money. presents the fundamental information that will help individuals understand the various types of retirement accounts that take their category name—the 401(k)—from the Internal Revenue Service provision that authorizes them. Widely used by people who desire to prepare for their retirement years, the 401(k) can become, as the title suggests, “the path to a prosperous retirement.” In this plainly worded guide, Vivian R. McDougle covers the topics one needs to understand both to “avoid the traps” and to “find the money.” 401(k)—The Path to a Prosperous Retirement covers subjects like the workings of the stock market, the characteristics of a 401(k) account, the types of retirement accounts, the management of job changes, the workable retirement plan, and the best arrangements for getting the most out of one’s accounts. If you know that you plan to retire, but have felt intimidated by the prospects of setting up a 401(k) and beginning a savings plan, then 401(k)—The Path to a Prosperous Retirement will give you just the right level of detail to get you started on the path to a retirement in which you have the funds to do what you plan for those years after your work is ended.

401(k)—The Path to a Prosperous Retirement

401(k)—The Path to a Prosperous Retirement PDF Author: Vivian R. McDougle
Publisher: iUniverse
ISBN: 1491777249
Category : Business & Economics
Languages : en
Pages : 74

Book Description
401(k)—The Path to a Prosperous Retirement: Avoid the Traps. Find the Money. presents the fundamental information that will help individuals understand the various types of retirement accounts that take their category name—the 401(k)—from the Internal Revenue Service provision that authorizes them. Widely used by people who desire to prepare for their retirement years, the 401(k) can become, as the title suggests, “the path to a prosperous retirement.” In this plainly worded guide, Vivian R. McDougle covers the topics one needs to understand both to “avoid the traps” and to “find the money.” 401(k)—The Path to a Prosperous Retirement covers subjects like the workings of the stock market, the characteristics of a 401(k) account, the types of retirement accounts, the management of job changes, the workable retirement plan, and the best arrangements for getting the most out of one’s accounts. If you know that you plan to retire, but have felt intimidated by the prospects of setting up a 401(k) and beginning a savings plan, then 401(k)—The Path to a Prosperous Retirement will give you just the right level of detail to get you started on the path to a retirement in which you have the funds to do what you plan for those years after your work is ended.

Retirement Fail

Retirement Fail PDF Author: Greg Sullivan
Publisher: John Wiley & Sons
ISBN: 1119447402
Category : Business & Economics
Languages : en
Pages : 192

Book Description
There are nine key reasons people fail at retirement—and they’re not what you think. Are you working to avoid these major retirement fails? Every day, people just like you, people who have worked hard and saved carefully for retirement, make decisions that will eventually crack their nest egg. Just because you added to your 401(k) or IRA plan every year, invested wisely, and amassed significant savings, you are not necessarily home free. Ready or not, your decisions all along the retirement path can positively or negatively affect your financial future. In Retirement Fail, top financial advisor Greg Sullivan shares the insights he has gained over his thirty-five-year career in wealth management to help you identify potential pitfalls and learn how to safeguard your hard-earned retirement assets. Because, contrary to what most people think, it is not poor portfolio performance that usually busts your retirement accounts. Rather, it’s the emotional decisions you make that can cause major problems. Whether it’s buying a vacation home that is beyond your reach, subsidizing your adult kids to a degree that is ill advised, or passing on the umbrella insurance your advisor recommended, the choices you make have an enormous effect on whether you’ll be able to enjoy the comfortable retirement you’ve dreamed about. Retirement Fail: Lays out the nine common hazards that trip up otherwise well-prepared retirees, encouraging you to think through your decisions and set a course aligned with your values and your ultimate goals Goes beyond traditional financial advice, using personal stories to illustrate how others have become mired in—or solved—these financial dilemmas Creates a valuable framework you can use to chart your path or begin conversations with your advisor, so that you can act to protect your financial independence The numerical side of financial planning is one thing—the far more difficult task is looking at the way the decisions we make impact our own future and those around us. Whether you are working with a financial advisor or are going it alone, Retirement Fail shows you the points you need to pay attention to and helps you figure out what your priorities are—and what tradeoffs you may have to make in order to achieve them.

The Road to Retirement 3.0

The Road to Retirement 3.0 PDF Author: Jeff Townsend
Publisher:
ISBN: 9780578775890
Category :
Languages : en
Pages : 216

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!

Designing Successful Target-Date Strategies for Defined Contribution Plans

Designing Successful Target-Date Strategies for Defined Contribution Plans PDF Author: Stacy L. Schaus
Publisher: John Wiley & Sons
ISBN: 9780470632888
Category : Business & Economics
Languages : en
Pages : 336

Book Description
The ultimate guidebook for navigating the new world of pensions and retirement plans In the wake of the explosive growth of defined contribution (DC) plans invested with target date strategies, and the understanding of how important these strategies can be in effectively meeting retirement income goals, plan sponsors are seeking more optimal target date approaches. This timely book provides you with in-depth answers from the nation's most qualified and experienced experts to pressing questions about DC plan design. Presents the views of individuals from all across the market Includes a broad range of plan sponsors both in the corporate world and in the public/government sectors Offers views from consultants and advisors from the most respected firms, academics who teach at leading universities, and other innovative leaders With a broad range of knowledge and insight, Designing Successful Target Date Strategies in Defined Contribution Plans helps you understand the evolution of DC plans, pulls together all angles of what it takes to develop custom target date strategies, and provides you with a look ahead to the future.

Spiritual Wisdom for Successful Retirement

Spiritual Wisdom for Successful Retirement PDF Author: James W Ellor
Publisher: Routledge
ISBN: 1134735790
Category : Family & Relationships
Languages : en
Pages : 170

Book Description
A discerning guide through the ups and downs of retirement The number of people age 65 and older worldwide has more than tripled to nearly half a billion over the last 50 years. Spiritual Wisdom for Successful Retirement is an inspirational guide through the journey that begins in life’s “third stage,” when employment is left behind and uncertainty lies ahead. This encouraging and uplifting book travels beyond the financial and emotional considerations of retirement planning to address the real-life issues retirees face, including the loss of identity after leaving the workplace, managing the clock, calendar, and commitments, how to deal with the blues and the “blahs,” facing the reality of death, adn keeping life in balance. Spiritual Wisdom for Successful Retirement anticipates the changing events and transitions of retirement, focusing on the need to adapt to this “work in progress.” Retirees struggle with real and symbolic losses as they redefine their identities, face uncertain financial futures, adapt to altered living arrangements, and become more aware of their physical limitations. The disappointments, adversity, and suffering retirees face can throw them into spiritual chaos. This powerful book presents real-life stories of people striving to remain engaged in life, open to possibilities, and experiencing intimations of eternity—here and now. Spiritual Wisdom for Successful Retirement examines: the need for a worldview that helps you take major life transitions in stride specific steps into retirement how to manage your time when “every day is Saturday” how to identify indicators of depression how caregivers can attend the needs of retirees how to get help when life “caves in” on you how to live with purpose and courage the significance of family ties the power of relationships, connections, and friendships the dynamics of hope and much more! Spiritual Wisdom for Successful Retirement is essential for anyone living in, or facing, retirement, and for family members of retirees, members of the American Association of Retired Persons (AARP), and for lay and professional caregivers. It’s also a helpful resource for academics working in gerontology or theology.

Transform Tomorrow

Transform Tomorrow PDF Author: Stig Nybo
Publisher: John Wiley & Sons
ISBN: 1118572742
Category : Business & Economics
Languages : en
Pages : 208

Book Description
A campaign to prepare Americans for their futures Transform Tomorrow investigates why so many Americans are at risk of out-living their savings. Author Stig Nybo draws inspiration from successful behavior change campaigns to identify the drivers of change—context and beliefs—and how they can be successfully employed to boost retirement savings rates. While the retirement savings industry increasingly embraces the contextual drivers of behavior, very little is being done to shape our beliefs to start saving smarter and sooner. Nybo suggests a retirement readiness campaign to inspire and enlist the support of individuals, employers, industry, government, and the media. Explains how society can transition from treating 401(k) as a voluntary benefit to the basis upon which each individual who wants to or needs to can retire comfortably. Details a national, coordinated retirement readiness campaign, along the lines of successful Public Service Advertisements—like "The Crying Indian" and Rosie the Riveter—that will help change behavior and re-shape the culture of our nation Makes a call to action for such a campaign Retirement in America is endangered, but Transform Tomorrow shows a path back from the brink.

Choose Your Retirement

Choose Your Retirement PDF Author: Emily Guy Birken
Publisher: Simon and Schuster
ISBN: 144058656X
Category : Business & Economics
Languages : en
Pages : 256

Book Description
As seen in Woman's Day, US News & World Report, and Money Magazine Uncover the truth about planning for retirement! From financial advisors and pundits on television to colleagues and family members, everyone has something to say about retirement. But how much of it is true? Whether you're looking to move into a senior living community or travel the world, Choose Your Retirement shows you how to realistically prepare for the future you desire. Inside, you will find expert advice for choosing the best retirement path for you and your family as well as information on common myths like: You will only need 80 percent of your current income in retirement Medicare will cover all your health-care needs Switching investments over to bonds is the safest retirement option Social Security will run out in 2033, leaving millions without their promised benefits Filled with hundreds of facts about retiring, Choose Your Retirement helps you set attainable financial goals and plan for the retirement--and life--you've always wanted.

Successful Defined Contribution Investment Design

Successful Defined Contribution Investment Design PDF Author: Stacy L. Schaus
Publisher: John Wiley & Sons
ISBN: 1119298563
Category : Business & Economics
Languages : en
Pages : 384

Book Description
Start-to-finish guidance toward building and implementing a robust DC plan Successful Defined Contribution Investment Design offers a comprehensive guidebook for fiduciaries tasked with structuring and implementing a 401(k) or other defined contribution (DC) pension plan. More than a collection of the usual piecemeal information, this book seeks to offer a complete, contemporary framework for plan design, together with tested methodologies and analytic techniques to help streamline plan monitoring, management and improve participant outcomes. Examples from plan sponsors provide on-the-ground insight while suggestions from DC consultants add expert perspective. Views from ERISA expert counsel provide additional understanding'along with input from academic thought leaders. Finally, investment evaluation and analysis is joined with participant savings and asset allocation data to look prospectively at potential outcomes, and case studies illustrate real-world implementation of objective-aligned asset allocation such as custom target-date strategies. Though the focus is primarily on U.S. plan design, author perspectives from countries including Australia, the United Kingdom and Canada provide relevant and helpful viewpoints for both new and experienced plan fiduciaries. For the vast majority of workers, DC plans have replaced traditional defined benefit pension plans as the primary source of employer-provided retirement income. This book provides comprehensive guidance to help you construct a plan to help workers to retire with confidence. Adopt a framework for DC evaluation and structure Learn new methodologies for investment choice evaluation Use the innovative PIMCO Retirement Income Cost Estimate'or PRICE'to help quantify the amount of money a worker needs to create and stay on track to building a real income stream in retirement Examine methodologies used at major companies in the U.S. and globally DC plans are the most rapidly growing retirement market in the world, yet sources of consolidated structural and analytical guidance are lacking. Successful Defined Contribution Investment Design fills the gap with a comprehensive handbook that covers the bases to help you develop an objective-aligned defined contribution plan.

The Path to a Successful Retirement

The Path to a Successful Retirement PDF Author: James F. Smith
Publisher: Hara Publishing Group
ISBN: 9780964680937
Category : Business & Economics
Languages : en
Pages : 286

Book Description
Comprehensive work on financial planning to insure a successful retirement.

Facts about Retiring in the United States

Facts about Retiring in the United States PDF Author: Steven S. Shagrin
Publisher: H. W. Wilson
ISBN: 9780824209698
Category : Life care communities
Languages : en
Pages : 761

Book Description