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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