| Save More for Retirement--Today | |
| The Challenge of Saving for Retirement | p. 3 |
| Storm Clouds Ahead for Social Security | p. 4 |
| The Decline of the Traditional Pension Plan | p. 6 |
| The Importance of Personal Savings | p. 8 |
| Final Thoughts | p. 11 |
| A Model for Retirement Saving | p. 15 |
| Learning to Save | p. 15 |
| Final Thoughts | p. 25 |
| Establishing a Retirement Savings Goal | p. 27 |
| Matching Retirement Needs and Savings | p. 28 |
| A Case Study | p. 30 |
| The Retirement Worksheet | p. 32 |
| Interpreting the Results | p. 39 |
| Final Thoughts | p. 40 |
| Make Your Retirement Investments Work for You | |
| Understanding the Basics of Investing | p. 43 |
| The Three Primary Financial Asset Classes | p. 44 |
| An Overview of Risk and Return | p. 46 |
| Moving Beyond "The Big Three" | p. 55 |
| Final Thoughts | p. 61 |
| Investing through Mutual Funds | p. 63 |
| What Is a Mutual Fund? | p. 64 |
| Types of Mutual Funds | p. 68 |
| Final Thoughts | p. 78 |
| Personalizing Your Investment Program | p. 79 |
| The Asset Allocation Decision | p. 80 |
| Asset Allocation Recommendations | p. 82 |
| Considering Management Styles | p. 89 |
| Some Implementation Issues | p. 95 |
| Final Thoughts | p. 99 |
| Four Case Studies | p. 101 |
| Selecting Mutual Funds | p. 107 |
| Gathering Mutual Fund Information | p. 107 |
| Understanding Investment Performance | p. 113 |
| Mutual Fund Costs | p. 122 |
| Mutual Funds and Taxes | p. 125 |
| Selecting a Financial Adviser | p. 128 |
| Final Thoughts | p. 130 |
| Build a Complete Retirement Program | |
| Getting the Most from Retirement Savings Plans | p. 135 |
| Traditional Employer-Sponsored Retirement Plans | p. 135 |
| Maximizing Retirement Plan Benefits | p. 141 |
| Retirement Plans for Sole Proprietors and Business Owners | p. 147 |
| The Individual Retirement Account | p. 153 |
| Final Thoughts | p. 159 |
| An Overview of Social Security and Medicare Benefits | p. 161 |
| Social Security Pension Benefits | p. 162 |
| Medicare Benefits | p. 167 |
| Long-Term Care Insurance | p. 171 |
| Final Thoughts | p. 172 |
| Facing Your Retirement | p. 173 |
| The Annuity Payout Option | p. 174 |
| The Lump-Sum Payout Option | p. 176 |
| Tax Implications for the Retirement Investor | p. 178 |
| Required Minimum Distributions | p. 184 |
| Planning Your Retirement Withdrawals | p. 186 |
| Final Thoughts | p. 192 |
| Retirement Strategies for the Later Years | p. 195 |
| Savings Strategies | p. 196 |
| Taking Advantage of Your Home Equity | p. 198 |
| A Few Words about Estate Planning | p. 201 |
| Final Thoughts | p. 203 |
| Epilogue | p. 205 |
| Glossary of Terms | p. 209 |
| Appendix | p. 217 |
| Index | p. 223 |
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