Download or read book Inflation proof Your Retirement written by Lawrence G. Bell and published by . This book was released on 1982 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Annuity Laddering written by Dan Keppel and published by Createspace Independent Pub. This book was released on 2013-05-01 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The question isn't at what age I want to retire, it's at what income.” George ForemanLadder low-cost short-term income annuities.Avoid expensive deferred annuities. Most guarantees are just not worth the price.Annuities are not refundable—compare alternatives.Create a Tax-FREE inflation-proof account for growth. The Retirees' Dilemma: Wouldn't you like to assure yourself of a tax-FREE inflation-proof income for the rest of your life without giving up control of your assets? Develop your own “lifestyle” security. You know that Social Security will end 2033. You know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. We need to protect our future incomes! Today you can make sure you are protected by creating a guaranteed inflation-proof income stream of special annuities to exactly match your needs. You need to enter the last 30 years of your life knowing how you are going to obtain income. You need a realistic and flexible plan. Two-thirds of pre-retirees don't have a clue. Financial advisors favor high-cost products. You need less-biased information to find the best alternative for you. I help you decide which alternatives are best for you, now and later. You don't give up control of your assets. Only you know what fits your lifestyle at each stage. Our retirement options have changed. The number of employers offering defined-benefit pensions has fallen. If you were lucky, your employer offered to match some of your contributions to a self-directed retirement plan (401k, etc.). You were left on your own to figure out the most important decision about your future happiness—what investments to make. Most employers have not helped you decide how much and where to invest your contributions. They washed their hands of your situation. Some even took your money. We are on our own. Let's look at the alternatives.
Download or read book Inflation Proof Investments written by Haywood Hanlin and published by . This book was released on 2021-08-11 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inflation is defined as a sustained increase in the price of goods and services. In an inflationary environment, a gallon of milk that once cost $3 may now cost $4. Over time, inflation erodes the value of a nation's currency. There are a variety of factors that influence inflation and arguments about its root cause. For consumers, inflation can mean stretching a static paycheck even further, but for investors, inflation can mean continued profit as they add to their retirement portfolio. The goal of this book is to quickly education the reader on the forces of Inflation and how the reader can hedge against this ruinous monetary force and actually PROFIT from it, in a big way. These tactics and strategies include cryptocurrency and Bitcoin investing/trading. You will discover how you can protect your investments and achieve a positive ROI from the hidden dynamics currently underway in our economy, such as monetary Inflation. In this book, you will also see how the underlying forces of demography and globalization will shortly reverse three multi-decade global trends - it will raise inflation and interest rates, but lead to a pullback in inequality. What we will see will be nothing like the past.
Download or read book Recession Proof Retirement written by Mark Orr and published by . This book was released on 2012-11-15 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: In thinking about your own retirement, does it seem more probable to you that your money will outlive you -- or that YOU will outlive your money? In either case, by reading this book we can safely make your savings work much harder for you. This book is a must have for people who are already retired or are within just a few years of their retirement. If this describes you, then please keep reading. However if you are more than 5 years from retirement, please search for his book Stress-Free Retirement Planning on Amazon (paperback or Kindle), which will be more appropriate for your situation. Recession-Proof Retirement shows retirees how to safely increase your interest income, reduce your income taxes and/or predictably increase your security, wealth and legacy. A successful retirement is no longer a slam dunk. With fewer retirees getting sizable pensions, the lingering effects of the great recession of 2008, a decade of stock market volatility and continuing historically low interest rates, managing finances for a long and prosperous retirement can be tricky for all but the very wealthy. As a practicing Certified Financial Planner, Mr. Orr likes to start a retirement income discussion with this fact. There have been 23 economic recessions since 1900 and more will follow. They can all adversely and permanently impact a retiree's lifestyle and/or their hopes for leaving a meaningful legacy. On average, one happens about every five years, so you will likely experience 5-7 recessions during your retirement. Have you recovered from the last two recessions yet? Are you fully prepared for the next one? Along with the high likelihood of living through a number of future recessions, longevity and inflation are the big demons to beat during retirement. Many retirees have yet to fully consider, plan and invest for these nearly inevitable occurrences. That could be an awful mistake unless you have more than a million dollars in savings, a large pension that you both can count on and you do not rely on two Social Security checks each month. What will happen when one of those Social Security checks stops coming in? The average lifespan of retired Americans has been rising and will continue to do so as medical advances keep us alive longer. A couple aged 62 today, has a joint life expectancy of age 92 - so at least one of them is likely to live until age 92 or even longer. Therefore we should really plan for a 25-35 year retirement income stream. We cannot forget about inflation risk over the next few decades. Every year, everything that you will need to buy will cost more. At 3% inflation, your cost of living will double in 24 years. With inflation factored in, we need to plan for a 25-35 year rising income -- as your cost of living during retirement will probably double. One cannot afford to wait and deal with this looming economic time-bomb later. With that in mind, retirees need secure places to put their money that provide decent returns that safely beat inflation over the next two or three decades, provide great liquidity at any time, offer flexibility and much more. This book comes with examples of how his clients are using these financial strategies and solutions for a more secure retirement income. These safe retirement investments can be the perfect CD alternatives, bond alternatives and annuity alternatives are a safe place for retirement money. They come with a lot of flexibility and other important benefits for you and your family. And no, this book is NOT about index annuities which so many annuity salespeople are pushing onto seniors today. The four-color educational and easy-to-understand information in this book can provide security and great long-term rising income solutions for retirees and seniors in America.
Download or read book Inflation Proof Your Portfolio written by David Voda and published by John Wiley & Sons. This book was released on 2012-07-30 with total page 131 pages. Available in PDF, EPUB and Kindle. Book excerpt: The must-have guide on how to protect yourself during the coming age of hyperinflation The Petersen/Pew Commission on Budget Reform recently warned that the national debt was expected to grow from 40 percent of the gross domestic product (GDP) in 2009 to 85 percent in 8 years, 100 percent in 12 years, and 200 percent by 2038. In other words, in just a few years the U.S. will owe twice as much as it produces. Since no conceivable level of taxes and borrowing will enable the country to service such an enormous debt, it is inevitable that government will turn to the same tricks its antecedents have been playing since Ancient Rome: debasing the dollar and letting inflation run rampant. Inflation-Proof Your Portfolio: Protect Your Money from the Coming Government Hyperinflation is your guide to understanding the debt crisis and rising inflation, packed with the key tools you need to protect yourself from the fallout. Neither an economic treatise nor a collection of specific investment advice, the book is intended as a resource to help empower citizens to take action to protect their money from the coming government-induced hyperinflation Essential reading for individual investors and general business readers alike who want to keep their money safe when inflation sets in A runaway self-publishing hit, this new edition is fully revised and updated Get the information you need to formulate your own plan of action to protect your investments The U.S. dollar is almost certain to have a sustained run of extremely high inflation over the next decade because of continued huge government deficits and unfunded liabilities, and this book is the resource you need to be ready.
Download or read book Aligning Retirement Saving Goals with Inflation written by Gaurav Khemka and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension investors are exposed to the risk of inflation eroding the purchasing power of their savings. Their risk is particularly high due to saving for retirement taking place over many decades. However, few pre-retirement investment strategies incorporate explicit inflation-proofing. It is shown that ignoring inflation is costly in terms of a retiree's welfare, with reductions of up to 25% possible for the average retiree. More risk averse investors face even larger reductions.In a second study, constraints on the amount of pension savings at retirement are imposed. Constraints are used to give the retiree more certainty about the level of pension savings at the date of their retirement. Such constraints may be expressed in either real or nominal terms. However, ignoring inflation by using nominal constraints gives a potential reduction in welfare of up to 36% for the average retiree. The results illustrate that nominal constraints are ineffective at reducing the risk of inflation.The conclusion is that pre-retirees ignore inflation at their peril. It must be included explicitly in retirement savings targets to improve retirement outcomes. Consequently, there should be greater investment in an index-linked bond or a similar asset.
Download or read book What the Happiest Retirees Know 10 Habits for a Healthy Secure and Joyful Life written by Wes Moss and published by McGraw Hill Professional. This book was released on 2021-10-26 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling author of You Can Retire Sooner Than You Think and host of Money Matters reveals the 10 essential habits for a rich, rewarding, and blissful retirement. What does it take to have a truly happy retirement? Is it money? A mortgage-free home? An active social life? A long-lasting marriage—or maybe a new one? Finance expert, author, and radio host Wes Moss asked more than 2,000 of the nation’s happiest retirees to find out—and their answers may surprise you. Through a series of revealing surveys, Moss noticed a pattern of distinct, recognizable habits that the happiest retirees shared, from the simplest of lifestyle choices to the smartest of financial strategies. These are the kinds of habits anyone can develop—the perfect road map to a healthy, secure, and joyful retirement—sooner. Whether you’re already retired or just starting to make plans, these 10 simple actions and attitudes can make a profound difference in every aspect of your life. The book is packed with hard-won wisdom and invaluable advice on how to make little changes now that will have the biggest impact later. It’s filled with proven ways to develop smarter habits with: Money (“Think river, not reservoir”); Family (“Get your kids off your payroll”); Housing (“Live mortgage-free”); Investing (“Be a tomorrow investor”); Spending (“Be pound wise—so you can be penny foolish”); and much more. With these 10 transformational habits, you can stop obsessing over money, stay socially connected, and start enjoying your new life—as the happiest retiree on the block.
Download or read book Worry free Investing written by Zvi Bodie and published by FT Press. This book was released on 2003 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: The authors teach readers about the new rules of investing, which include investing with inflation-protected bonds, reaching retirement goals, and investing safely for college.
Download or read book Tsunami Proof Your Retirement written by Jr John Tyner and published by Xulon Press. This book was released on 2011-09-30 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Remember, smart financial decisions impact the quality of your life." -Jack Keeter Semmax Financial Group, Inc. is a full service wealth management and retirement planning firm with offices located in Greensboro and Winston-Salem, North Carolina. The company was founded in 2003 with a commitment to serving the complex financial needs of retirees and aspiring retirees. Today, the company is comprised of three firms dedicated to addressing the unique and diversified financial needs of our clients; offering tailored integrated solutions to help them achieve the financial growth necessary for a prosperous 30+ years of retirement. Semmax Financial Advisors, Inc. is the company's Registered Investment Advisory arm - strictly regulated and audited by the Securities and Exchange Commission (SEC) through the Financial Industry Regulatory Authority (FINRA). As such, our fee only advisory offers customized asset management solutions using a range of investment vehicles - stocks, bonds, mutual funds, REITS, ETFs - across a variety of investment disciplines, asset classes, and strategies, tailored to each client's risk tolerance and planning goals. Semmax, Inc. specializes in providing the most competitive insurance solutions available. From life and long term care insurance, to a host of annuity products from the top-rated carriers in the industry, our risk management division implements insurance strategies customized to each individual's life circumstances. Semmax Tax, Inc. was founded in 2004 as the third component of Semmax Financial Group and subsidiary of Triad Tax Advisory and Financial Services, Inc., to address the need for advantageous, integrated tax planning for clients by an Enrolled Agent, a federally-authorized tax practitioner, on staff. www.semmax.com
Download or read book How Much Money Do I Need to Retire written by Todd Tresidder and published by Financialmentor.com. This book was released on 2020-01-02 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn how retirement really works before it's too late... "This book is the best I've seen on how to navigate the retirement savings question." (Forbes) Most so-called "experts" plug your numbers into a retirement formula to tell you how much money you need to retire. Unfortunately, the conventional approach is fundamentally flawed. If you fail to learn how retirement savings truly works, then you'll either underspend and be miserable or overspend and run out of money. How Much Money Do I Need to Retire takes you beyond the scientific facade of modern retirement planning. Author and former hedge fund manager Todd R. Tresidder has helped thousands of people find financial freedom through his website and podcast. Now you too can use his advice to take the guesswork out of your retirement planning. In this book, you'll learn: Why the best way to describe most retirement estimates is garbage-in/garbage-out The five critical assumptions that can destroy your financial security How to reduce the amount you need to retire by as much as $600,000 Three strategies to maximize spending today while protecting for the future How to calculate the amount of money you really need to retire on the first try without software, online calculators, or being a math genius Read this book to know more about your retirement planning than your financial adviser. Tresidder's book contains refreshingly straightforward, easy-to-understand, and concise advice on how to retire wealthy. This missing link of personal finance books will make you sleep easier. No retirement is secure without it. Buy the book today so you can retire with confidence!
Download or read book Lifecycle Investing written by Ian Ayres and published by ReadHowYouWant.com. This book was released on 2010-05 with total page 358 pages. Available in PDF, EPUB and Kindle. Book excerpt: Diversification provides a well-known way of getting something close to a free lunch: by spreading money across different kinds of investments, investors can earn the same return with lower risk (or a much higher return for the same amount of risk). This strategy, introduced nearly fifty years ago, led to such strategies as index funds. What if we were all missing out on another free lunch that’s right under our noses? InLifecycle Investing, Barry Nalebuff and Ian Ayres-two of the most innovative thinkers in business, law, and economics-have developed tools that will allow nearly any investor to diversify their portfolios over time. By using leveraging when young-a controversial idea that sparked hate mail when the authors first floated it in the pages ofForbes-investors of all stripes, from those just starting to plan to those getting ready to retire, can substantially reduce overall risk while improving their returns. InLifecycle Investing, readers will learn How to figure out the level of exposure and leverage that’s right foryou How the Lifecycle Investing strategy would have performed in the historical market Why it will work even if everyone does it Whennotto adopt the Lifecycle Investing strategy Clearly written and backed by rigorous research,Lifecycle Investingpresents a simple but radical idea that will shake up how we think about retirement investing even as it provides a healthier nest egg in a nicely feathered nest.
Download or read book ASSET DEDICATION written by Stephen J. Huxley and published by McGraw Hill Professional. This book was released on 2004-10-22 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: The first book to close the perilous gaps in—and enhance the performance of—asset allocation Asset allocation is one of today’s bestknown investment approaches. Problem is, its major precept—that a magic-number, fixed-percentage asset mix will provide superior results for investors who have dramatically different goals and needs—is scientifically unproven and fundamentally flawed. Asset Dedication updates the asset allocation model, outlining a seven-step process designed to more effectively meet the real needs of real investors. Showing investors how to design low-risk portfolios that more accurately and successfully dedicate assets, this breakthrough book helps investors fill in the gaps inherent to asset allocation by demonstrating: Techniques for ascertaining the best asset mix by determining individual needs and goals How asset dedication provides superior protection against inflation and market risk Investing strategies for the three investment life phases—accumulation, distribution, and transfer
Download or read book Smartest 401 k Book You ll Ever Read written by Daniel R. Solin and published by Penguin. This book was released on 2010-07-06 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book will change the way you think about and invest in your retirement savings plan-forever. Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that: ? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!" ? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid. ? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond! Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status. "If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald
Download or read book Rescue Your Retirement written by Russell K Jalbert and published by Advantage Media Group. This book was released on 2012-04-06 with total page 134 pages. Available in PDF, EPUB and Kindle. Book excerpt: "You don't have to accept risk in order to grow your money." What readers discover in this book is the woeful ineffectiveness of retirement planning as practiced by Wall Street and the brokerage industry. In place of this failed approach Jalbert offers the logic of financial tools provided by the insurance industry. These tools, though not well known in the marketplace, are many, varied and most often free of the risk associated with volatile markets. His mission is to design retirement plans that are as foolproof as possible, and making sure that a stable and predictable lifelong income is provided under any economic circumstances.
Download or read book The Grangaard Strategy written by Paul Grangaard and published by Penguin. This book was released on 2003 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: More information to be announced soon on this forthcoming title from Penguin USA
Download or read book Retirement Income for Life written by Frederick Vettese and published by ECW Press. This book was released on 2020-10-20 with total page 202 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Download or read book The Retirement Blueprint written by Sameer Dhawan and published by Nextgen web llc. This book was released on 2024-03-29 with total page 211 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dive into the essential guide for navigating the complexities of retirement in the modern financial landscape with "The Retirement Blueprint: A Step-by-Step Guide to Building Your Ideal Retirement ." Authored by the seasoned financial strategist Sameer Dhawan and published by Nextgen Web LLC, this book emerges as a beacon for those seeking a secure, fulfilling retirement. In an era where financial stability in retirement seems increasingly elusive, Sameer Dhawan demystifies the latest in retirement planning, including the pivotal changes introduced by the SECURE Act 2.0. With over two decades of experience, Sameer Dhawan combines real-world case studies, personal anecdotes, and strategic insights to offer readers a roadmap to not just navigate but thrive in their retirement planning. Whether you're a financial professional looking to deepen your expertise or an individual aspiring to secure your financial future, Sameer Dhawan's guidance is both accessible and enlightening. From maximizing retirement accounts and investment strategies to understanding the nuances of healthcare and tax planning in retirement, this book covers it all. Beyond mere financial advice, "The Retirement Blueprint: A Step-by Step Guide to Building Your Ideal Retirement " encourages readers to envision and work towards a retirement that aligns with their deepest aspirations and values. It's not just about financial security but about crafting a retirement journey that is as rewarding as it is financially sound. Prepare to transform your approach to retirement planning. Equip yourself with the knowledge, strategies, and insights needed to navigate the changes and challenges of the modern retirement landscape. Your journey towards a future-proofed retirement begins here.
