Buy an Annuity and Delay Social Security – GAO

Retirees may have to delay Social Security benefits and buy an annuity to have enough money for retirement, said a U.S. government study.

“The risk that retirees will outlive their assets is a growing challenge,” according to a study from the Government Accountability Office scheduled for release today. Increased life expectancies and health-care costs coupled with

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July 1st, 2011 | Tags: 401(k), annuity, cash, Expenses, financial, health care, home equity, Income, money, net worth, pension, Retirement, save, savings, Social Security | Category: Investments, Retirement | 2 comments

As we invest, will the stock market let us retire?

We invest in the stock market so that we can retire some day. What we expect from the stock market is a return on our investment – a return that includes an “equity premium.” The equity premium appears to be getting smaller.

There are several reasons for this.

Better information, and the tools to analyze the information, has become

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August 13th, 2010 | Tags: 401(k), capital gains, defined benefit pension plan, diversification, diversified, equity, financial, funds, Income, invest, market, markets, mutual, nest egg, pension, premium, retire, Retirement, returns, risk, savings, securities, Social Security, stock, strategy, Taxes, trading | Category: Investments, Lifestyle, Retirement, Saving | Leave a comment

Our Retirement Planning Problem: We Make Mistakes on How We Earn, Spend, Borrow, Save and Invest

Gregory Salsbury, executive  vice president of Jackson National Life Distributors, has identified the greatest mistakes we make on how we earn money, save, spend, borrow and invest that affects our retirement planning:

We’re too focused on the five years prior to retirement and the first five years of retirement.

We’re too focused on a specific number which supposedly

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August 3rd, 2010 | Tags: 401(k), asset, classes, planning, Retirement | Category: Retirement | Leave a comment

Taxes: Money Flows in Time and Space to Where It’s Treated Best

Money will go, in time and space, where it’s treated well. Money will find its way to locations that offer good property rights laws and low taxes.   As laws change and those changes are telegraphed, money and wealth will move in anticipation of those changes.

Arthur Laffer, of the Laffer Curve, is the chairman of Laffer Associates and co-author

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June 10th, 2010 | Tags: 401(k), Economy, Income, IRA, money, Roth, Taxes, Wealth | Category: Economy, Taxes, Wealth | One comment

Wealth and Equities: Cash and Global Growth to Propel Stocks

The availability of money to spend, global growth, especially in emerging markets, and greed, all help to explain why equities can be expected to be a great investment going forward.

Zachary Karabell, president of River Twice Research and the author, most recently, of “Superfusion: How China and America Became One Economy”, helps us to understand, in

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April 8th, 2010 | Tags: 401(k), bank, banks, bond, bonds, credit, Debt, debts, dividends, Economy, emerging markets, equities, financial, financial planner, financial planners, funds, global, growth, hiring, household, invest, investment, investors, liquidity, loan, loans, markets, money, money market, mutual fund, pension, plans, productivity, profits, spend, Spending, stock, stocks, work force | Category: Economy, Investments, Retirement, Saving, Wealth | Leave a comment

Workers and Employers Are Trying to Reduce Retirement Plan Fees

Workers and employers claiming their 401(k)s charged excessive fees have lately made significant legal headway. Major firms like Caterpillar Inc. and Hartford Life Inc. have recently agreed to settle such cases and to improve fee disclosure. A lawsuit against ABB Inc., a unit of Switzerland-based ABB Ltd., this year went to trial, an event all

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March 9th, 2010 | Tags: 401(k), defined contribution plan, fees, retirement plan | Category: Retirement | Leave a comment

Saving for Retirement Being Hurt by Economy & Attitude

The low savings rate is affecting the ability of families to save for retirement.

The percentage of American workers with virtually no retirement savings grew for the third straight year, according to a survey released Tuesday.

The percentage of workers who said they have less than $10,000 in savings grew to 43% in 2010, from 39% in

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March 9th, 2010 | Tags: 401(k), benefit, benefits, cost, costs, defined-benefit, Economy, families, family, financial, health care, home, homes, invest, investing, investment, Investments, job, loss, losses, match, matches, money, mortgage, pension, plan, planner, planners, plans, pre-retirement, Retirement, save, savings, Social Security, standard of living, work, workers | Category: Retirement, Saving | Leave a comment

Getting Ready for Tough Times

Times can get tough. Loss of a job. Stock market crash. When times get tough will you be ready?

Get ready now for tough times ahead.

Rainy Day Fund – Emergency Cash

Have a rainy day fund – it can’t be said enough. You absolutely need a financial reserve that you can draw on when times get tough.

Continue reading When the Going Gets Tough the Tough Are Going to Be Ready

January 28th, 2010 | Tags: 401(k), defined-benefit pension, emergency cash, IRA, market, pension plan, portfolio theory, rainy day fund, Retirement, Taxes | Category: Lifestyle | Leave a comment

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