the real retirement why you could be better off than you think and how to make that happen

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The Real Retirement

Author : Fred Vettese
ISBN : 9781118498682
Genre : Business & Economics
File Size : 37. 12 MB
Format : PDF
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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.

The Real Retirement

Author : Fred Vettese
ISBN : 9781118498675
Genre : Business & Economics
File Size : 23. 47 MB
Format : PDF, ePub, Docs
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The Essential Retirement Guide

Author : Frederick Vettese
ISBN : 9781119111122
Genre : Business & Economics
File Size : 73. 17 MB
Format : PDF, Kindle
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"The Essential Retirement Guide will detail saving for retirement-- when, why, how, and how much. There is much miscommunication and false information about retirement planning. Inconsistences such as retirement target percentages of final pay, the amount of retirement income needed, and the use of proper investment vehicles, most of which cost hundreds of thousands of dollars more than necessary, all add to the mystification of most retirement planning advice. The book will answer: - When should I start to save? - What takes priority: paying off the mortgage or saving for retirement? - What is the most tax-effective investment vehicle during the accumulation phase? - How should I invest? - How much money do I need to retire comfortably? - How much retirement income will I need? - What percentage of my assets can I spend each year in retirement? - How will my spending habits change over the course of my retirement? - Do I need to worry about the cost of long-term care?"--

Pensionize Your Nest Egg

Author : Moshe A. Milevsky
ISBN : 9781119025276
Genre : Business & Economics
File Size : 84. 38 MB
Format : PDF, ePub
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Guarantee your retirement income with a DIY pension Pensionize Your Nest Egg describes how adding the new approach of "product allocation" to the tried-and-true asset allocation approach can help protect you from the risk of outliving your savings, while maximizing your income in retirement. This book demonstrates that it isn't the investor with the most money who necessarily has the best retirement income plan. Instead, it's the investor who owns the right type of investment and insurance products, and uses product allocation to allocate the right amounts, at the right time, to each product category. This revised second edition is expanded to include investors throughout the English-speaking world and updated to reflect current economic realities. Readers will learn how to distinguish between the various types of retirement income products available today, including life annuities and variable annuities with living income benefits, and how to evaluate the features that are most important to meet their personal retirement goals. Evaluate the impacts of longevity, inflation, and sequence of returns risk on your retirement income portfolio Make sense of the bewildering array of today's retirement income products Measure and maximize your Retirement Sustainability Quotient Learn how your product allocation choices can help maximize current income or financial legacy — and how to select the approach that's right for you Walk through detailed case studies to explore how to pensionize your nest egg using the new product allocation approach Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a step-by-step plan to create a guaranteed retirement income for life.

Your Retirement Income Blueprint

Author : Dick Diamond
ISBN : 9781118089781
Genre : Business & Economics
File Size : 44. 12 MB
Format : PDF, Kindle
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How To Make Your Money Last

Author : Jane Bryant Quinn
ISBN : 9781476743783
Genre : Business & Economics
File Size : 78. 55 MB
Format : PDF, ePub, Docs
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Turn your retirement savings into a steady paycheck that will last for life with Jane Bryant Quinn’s “‘how to’ book that covers every phase of retirement finance. Bottom line, anyone on the retirement track or in retirement should own this book” (Huffington Post). Today, people worry that they’re going to run out of money in their older age. That won’t happen if you use a few tricks for squeezing higher payments from your assets—from your Social Security account (find the hidden values there), pension (monthly income or lump sum?), home equity (sell and invest the proceeds or take a reverse mortgage?), savings (should you buy a lifetime annuity?), and retirement accounts (how to invest and—critically—how much to withdraw from your savings each year?). The right moves will not only raise the amount you have to spend, they’ll stretch out your money over many more years. With this book, financial expert Jane Bryant Quinn, “America’s dean of personal finance” (Forbes), explains how to turn your retirement funds into a paycheck that will last for life. She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows you how. At a time when people are living longer, yet retiring with a smaller pot of savings than they’d hoped for, this book will become the essential guide—“a hugely valuable resource for readers, wherever they are on their personal financial timeline” (Publishers Weekly, starred review).

The Prosperous Retirement

Author : Michael K. Stein
ISBN : 0966338103
Genre : Business & Economics
File Size : 67. 19 MB
Format : PDF, Docs
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Something wonderful has changed in the lives of millions of Americans, but most of them are net yet aware of it. For the first time, many Americans have the chance to live a new kind of retirement -- THE PROSPEROUS RETIREMENT -- "if they will just seize the opportunity."

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