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retirement

Forget Rules Of Thumb – And Calculate Your Individualized Income Replacement Rate

While there are some general rules of thumb for retirement income-replacement rates (e.g. 75% to 80% of working income), pinning down your individualized retirement cash flow needs can be difficult. As the author of today’s article notes, “higher-income, higher-saving households may well need just 60% (or even less) of their pre-retirement income during retirement, while lower-earning, lower-saving households may need… 

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How To Avoid The Game Of Chance – And Retire For Real

When it comes to 401(k)s and IRAs, the author of today’s article argues that “Gambling away your retirement funds in a government-sponsored game of chance is a game you have little hope of winning.” Instead, he asserts that if you want to retire for real (and early), the key is attaining financial freedom – which requires focusing on cash flow… 

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Maximizing The Value Of – And Minimizing The Taxes On – Your Employee Stock Options

Having an employee stock option plan is a fortunate position to be in as, if well-managed, these plans can fund major financial goals, including retirement. However, the author of today’s article cautions that “Stock option plans are often misunderstood and choices are often made that leave people paying substantially more taxes on this employee benefit than is absolutely necessary. Small… 

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One Of The Best Investments That Retirees Overlook, Ignore – Or Come Up Short On

There’s an investment retirees can make that could provide them with a guaranteed return of over 17% – an investment that the author of today’s article notes is “simple, straightforward and right under our noses—and yet way too often overlooked or ignored.” What is this investment, why do so many not take advantage of it – and why do many… 

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How These 6 “Obscure” Funds Can Provide Income And Growth For Retirement

Today’s article outlines how an initial investment of $300,000 in six specific funds (from “an obscure corner of the market”) can create a significant, reliable income stream for retirement. Specifically, “this portfolio has a 7.9% yield, meaning our $305,000 initial investment is going to give us $24,000 in annual income—that’s $2,000 per month!” Moreover, these six funds offer growth in… 

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Considerations Before Lighting Your Retirement On FIRE

The FIRE (Financial Independence, Retire Early) movement has been gaining traction – but, as today’s article seeks to make clear, as wonderful as the prospect may seem, extra-early retirement isn’t for everyone. Specifically, the author outlines some of the financial and emotional consequences of early retirement – as well as some questions to ask yourself if you are still considering… 

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For Retirees And Near-Retirees, Year-End Planning Starts Now!

There are still a few weeks left of summer, but now may be time to start thinking about the end of the year – especially if you are in or nearing retirement. Today’s article outlines a number of ways that retirees and those planning their retirements can benefit by getting an early start on their year-end financial planning. For more… 

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The Good News – And The Bad News – About Fees And Your Retirement Savings

The good news regarding mutual and exchange-traded fund fees? Last year saw the biggest one-year decline in fees and several major fund companies have been competitively lowering their fees (with one now even offering index funds without any management fees). The bad news, according to today’s article, “is that many investors don’t realize how much they’re paying in fund fees… 

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The Major Crack In The Foundation Of Many Americans’ Retirement Plans

The foundation of any retirement plan is the age at which we plan to retire. Unfortunately, as today’s article highlights, “that foundation isn’t nearly as solid as we think. We often systematically misjudge when we’ll actually retire, and that can wreak havoc on our finances.” What does a new study – which found that roughly half of Americans retire earlier… 

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These 2 “Innovative” ETFs Can Help Boost Retirement Income

With paltry bond yields on one hand and the risks associated with high-yielding funds and stocks on the other, generating enough income in a low interest rate environment can be challenging for retirees. However, today’s article highlights two “innovative” ETFs that the author sees as offering slightly higher yields while mitigating risks. The first of these two funds seeks out… 

CLICK HERE »These 2 “Innovative” ETFs Can Help Boost Retirement Income