Aggressive Retirement

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Aggressive Retirement

Author : John Keller
Publisher :
ISBN 13 : 9789959016805
Total Pages : 0 pages
Book Rating : 4.0/5 (168 download)

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Book Synopsis Aggressive Retirement by : John Keller

Download or read book Aggressive Retirement written by John Keller and published by . This book was released on 2023-06-30 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: For those who aspire to retire early and enjoy a life of financial freedom, the concept of aggressive retirement offers a compelling strategy. This approach involves taking proactive and bold steps to maximize savings, investments, and wealth accumulation, allowing you to reach your retirement goals at an accelerated pace. Aggressive retirement starts with a mindset shift. It requires a commitment to prioritizing financial independence and making intentional choices to optimize your income and savings. By adopting a frugal lifestyle and diligently managing expenses, you can channel a significant portion of your earnings towards retirement investments. Investing plays a pivotal role in aggressive retirement. Rather than relying solely on traditional retirement accounts, such as 401(k)s or IRAs, consider diversifying your investment portfolio. Explore opportunities in stocks, real estate, index funds, or even starting your own business. With a higher risk tolerance, you can pursue potentially higher returns and expedite your retirement timeline. Maximizing retirement contributions is a crucial aspect of aggressive retirement. Take advantage of tax-advantaged accounts, such as employer-sponsored plans and Individual Retirement Accounts (IRAs). Contribute the maximum allowed amount each year, harnessing the power of compounding interest and tax benefits to accelerate your savings growth. Another key component of aggressive retirement is ongoing education and financial literacy. Stay informed about investment strategies, market trends, and personal finance topics. Continuously learn from experts, attend seminars or workshops, and leverage online resources to refine your knowledge and make informed decisions. To achieve aggressive retirement, it's essential to periodically reassess and adjust your plans. Regularly evaluate your investment performance, adjust asset allocation, and make necessary course corrections. Consider consulting with financial advisors who specialize in retirement planning to optimize your strategies and ensure you stay on track. While aggressive retirement offers the potential for early retirement, it's important to strike a balance between ambition and risk management. Assess your risk tolerance, consider your financial obligations, and maintain an emergency fund to mitigate unexpected expenses. A well-rounded approach that factors in short-term stability and long-term growth is key. Aggressive retirement empowers you to break free from the traditional retirement timeline and create a future of financial independence. By embracing a proactive mindset, maximizing investments, and staying informed, you can expedite your path to retirement and unlock the freedom to pursue your passions, travel, or engage in meaningful activities at an earlier stage in life. So, if you're ready to take charge of your financial future and retire on your terms, embrace the concept of aggressive retirement. With dedication, discipline, and a strategic approach, you can fast-track your journey to financial freedom and embark on a life of early retirement that aligns with your dreams and aspirations.

Passive Income and Aggressive Retirement

Author : Shaun Durrant
Publisher :
ISBN 13 : 9781953631022
Total Pages : pages
Book Rating : 4.6/5 (31 download)

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Book Synopsis Passive Income and Aggressive Retirement by : Shaun Durrant

Download or read book Passive Income and Aggressive Retirement written by Shaun Durrant and published by . This book was released on 2020-09-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Passive Income, Aggressive Retirement

Author : Rachel Richards
Publisher : Independently Published
ISBN 13 : 9781706203025
Total Pages : 258 pages
Book Rating : 4.2/5 (3 download)

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Book Synopsis Passive Income, Aggressive Retirement by : Rachel Richards

Download or read book Passive Income, Aggressive Retirement written by Rachel Richards and published by Independently Published. This book was released on 2019-11-13 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two million dollars. That's how much money anyone under age 40 will need to accumulate to retire. That often means working 40-hour-weeks and penny-pinching your whole life. How else could you save a cool $2 mil? Finance guru, former financial advisor, and Amazon bestselling author of Money Honey, Rachel Richards has one goal in mind: teaching you everything you need to know to become financially free earlier than you ever thought possible. At age 27, Rachel quit her job and retired, living off $10,000+ per month in passive income streams. Let her show you how to do it at any age--it's never too late. What is passive income? Passive income is earned with little to no ongoing work. It's no get-rich-quick scheme, but once your passive income exceeds your expenses, you are set for life. In a refreshingly realistic how-to guide, Rachel serves up 28 tried and true passive income stream models, helping you to: Achieve "Financial Independence, Retire Early" without penny-pinching Create consistent, long-term residual income (the non-multi-level-marketing way), so you can live life on your terms Have the flexibility to work when, where, and if you want Say "goodbye" to your 9-5, and create a life you totally love Eliminate your money stresses and fears Rachel supplements boatloads of research and personal expertise by interviewing well-known experts! You'll hear directly from big names such as HAL ELROD, BOBBY HOYT, DAVID OSBORN, HONORÉE CORDER, and more! Hal Elrod is the internationally bestselling author of The Miracle Morning(tm) Series, which has been translated into 37 languages and has impacted over 2,000,000 people's lives! Bobby Hoyt is a former high school band director and the founder of Millennial Money Man. He now makes six figures per month from his blog, online courses, and recurring revenue! David Osborn is a multi-millionaire real estate mogul who started out broke and unemployed at age 26, only to become one of the most successful real estate franchise owners in the world! Honorée Corder has written over 50 books. She teaches the You Must Write a Book Live Coaching Course and is an executive book coach! Doug Skipworth is the co-founder and principal broker at Crestcore Realty, which manages 2,500 properties in Tennessee. He personally owns hundreds of rentals! Thom Shepherd is a CMA of Texas Songwriter of the Year and has written five #1 singles! If you regularly feel the Sunday Scaries or always dread getting up for work in the morning, this book is for you. This book is for the college student already dreading the 9-5 life that waits him upon graduating; the couple who would rather spend their time doing what they want, instead of slaving away for their employers every day; and the single parent who is barely scraping by. Regardless of your WHY, passive income could be your HOW. Join the thousands of people who have already found success with these strategies. Applicable in 2019, 2020, and beyond, Passive Income, Aggressive Retirement is the gift that keeps on giving. Get it for yourself, for a Christmas gift, or to jumpstart a New Year's Resolution. Complete beginner or not, by the end of Passive Income, Aggressive Retirement, you'll know exactly what it takes and how to get started. Passive income is real and attainable for everyone, even you. Are you ready to join the movement?

Passive Income and Aggressive Retirement

Author : Shaun M Durrant
Publisher :
ISBN 13 :
Total Pages : 160 pages
Book Rating : 4.6/5 (766 download)

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Book Synopsis Passive Income and Aggressive Retirement by : Shaun M Durrant

Download or read book Passive Income and Aggressive Retirement written by Shaun M Durrant and published by . This book was released on 2020-08-22 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Discover the Holy Grail of Financial Freedom and Stress-Free Retirement: Escape Your 9-5 Job and Earn A Six-Figure Income Without Leaving Your House. Do you feel frustrated when you see those Instagram influencers earning millions, while you slave away at your boring 9-5 job? Are you worried you won't be able to save enough to secure your financial stability when you retire? Have you already googled passive income ideas and felt overwhelmed by the more than 7 million results? In the last few years, passive income has become a global phenomenon. You hear stories about bloggers making a fortune, people getting filthy rich on Youtube, and influencers retiring in their 30s. These stories paint a lovely picture of success and wealth. But wait a minute: if it's that easy, why isn't everyone doing it? The truth is, passive income models, whether it's an online business or stock trading, require just as much dedication as any other job. But the rewards are much bigger. Once you discover which model suits you the best, you'll be able to: Make good money through various endeavors that require no investment, and minimum maintenance Be your own boss, work from the comfort of your home, and escape that stuffy office cubicle Secure your retirement, and establish business models that will automatically generate extra income, year after year The hardest part of generating a passive income is choosing the one source that's right for you. The options are numerous, and getting swamped by too many of them is a common occurrence. In A Guide to Passive Income and Aggressive Retirement, you'll discover: Everything you need to know about passive income to start generating it NOW: the benefits, types, and myths How your habits and mindset might be hindering your progress... and how to reverse it to become success-driven Comprehensive guides on passive and active investing to help you navigate the world of day trading Tested strategies for investing in real estate, including types of properties you don't need to invest a single dollar in Top secret investment tips and tricks that filthy-rich stockbrokers don't want you to know, including how to make money from ETFs A thorough guide on IRAs (Individual Retirement Accounts) to help you retire as early as you want by choosing the most profitable model How to turn your hobby into a successful business and earn thousands of dollars as a successful self-publisher, Youtube influencer, or dropshipping mogul Top 10 mistakes almost all beginners make: ensure your passive income project starts off on the right foot And much more. Even if you've never heard about some of these models, you can still cash in on them and build a successful enterprise that will ensure you're not imprisoned by your 9-5 job until you're 65. If you want to achieve financial and personal freedom, earning income on your own terms, then scroll up and click the "Add to Cart" button right now.

Summary of Rachel Richards's Passive Income, Aggressive Retirement

Author : Milkyway Media
Publisher : Milkyway Media
ISBN 13 :
Total Pages : 17 pages
Book Rating : 4./5 ( download)

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Book Synopsis Summary of Rachel Richards's Passive Income, Aggressive Retirement by : Milkyway Media

Download or read book Summary of Rachel Richards's Passive Income, Aggressive Retirement written by Milkyway Media and published by Milkyway Media. This book was released on 2024-02-06 with total page 17 pages. Available in PDF, EPUB and Kindle. Book excerpt: Get the Summary of Rachel Richards's Passive Income, Aggressive Retirement in 20 minutes. Please note: This is a summary & not the original book. "Passive Income, Aggressive Retirement" by Rachel Richards critiques the outdated "Nest Egg Theory" of retirement, highlighting societal changes that make traditional retirement saving methods less viable. Richards argues for financial independence through passive income, which allows individuals to reclaim their time and live on their own terms. She discusses the importance of valuing time over money and presents passive income as a solution to the limitations of the traditional workweek and retirement savings plans...

Rule Your Freakin' Retirement

Author : Michael Parness
Publisher : Macmillan + ORM
ISBN 13 : 1429962569
Total Pages : 218 pages
Book Rating : 4.4/5 (299 download)

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Book Synopsis Rule Your Freakin' Retirement by : Michael Parness

Download or read book Rule Your Freakin' Retirement written by Michael Parness and published by Macmillan + ORM. This book was released on 2009-03-03 with total page 218 pages. Available in PDF, EPUB and Kindle. Book excerpt: DON'T PANIC. RULE! Market turbulence has made opening monthly 401(k) statements shocking rather than reassuring. Michael "Waxie" Parness can help. The standard strategies and advice regarding your retirement accounts are NOT working. Many people's 401(k)s are now 201(k)s, and it may get worse. YOU need to take control of your retirement, and your life. Rule Your Freakin' Retirement, through practical and pragmatic advice and examples, will teach you alternatives to the "buy, hold, and pray" strategies most investment advisers give. In today's world you need fresh ideas, and this book gives you the tools you need to not only protect what you have in your IRA, but to grow it in an aggressive, time-tested, yet easily managed way. And, yes, a safer way! Building on his successful Rule the Freakin' Markets, master trader and motivational speaker Michael Parness applies the same aggressive strategies to normally ignored or undermanaged 401(k), IRA, and other retirement accounts. Contrary to conventional wisdom, Parness argues that no matter what age you are, NOW is the time to adopt active, aggressive, and controlled strategies to ensure a fully funded, real retirement on your own terms, not subject to market gyrations out of your control. He outlines, in plain language, bold but practical strategies emphasizing research and tailoring approaches to individual needs. With record numbers of baby boomers entering or nearing retirement, and succeeding generations caught by a volatile economy, Rule Your Freakin' Retirement offers tangible, proven, no-nonsense advice that all can profit from, in the engaging Waxie style.

Stock Market for Beginners Invest in Strategies and Money Management

Author : Nathan Bell
Publisher : Youcanprint
ISBN 13 :
Total Pages : 445 pages
Book Rating : 4.2/5 (23 download)

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Book Synopsis Stock Market for Beginners Invest in Strategies and Money Management by : Nathan Bell

Download or read book Stock Market for Beginners Invest in Strategies and Money Management written by Nathan Bell and published by Youcanprint. This book was released on 2022-01-31 with total page 445 pages. Available in PDF, EPUB and Kindle. Book excerpt: A successful life starts by practicing successful habits, creating wealth, and finally retiring early and enjoying the passives' incomes. Are these your dreams and targets but don't know where to start? The 4 in 1 bundle gives you a chance to explore the changes that ensure you gain financial freedom and retire at a young age. To live a life of investment and success, relax and continue reading the guide. Most people never understand how successful people manage to double their savings day in day out. It all depends on simple strategies. Not winning lotteries and not even working in big companies. The book maps every route and habits to observe, to boost your savings and wealth. Successful practices have changed the lives of men from zero, to saving millions of cash in the banks. Follow the simple steps from the 4 in 1 guide and achieve your financial freedom status. However, to achieve the finical freedom, one needs to set goals, have plans, and focus. On the other side, retiring early to many people might appear an impossible task, but with the investment strategies provided within the guide, it just basic achievement. The reader will benefit from strategies to set passive income ways, double their saving, achieve financial freedom, and finally retire at a young age and live to enjoy their handwork. The following are some of the strategies you will discover:  The millionaire strategies  The secrets to success  The necessary mindset that you must have in order to create wealth (hint: no one will ever get wealthy without this mind-set)  The power of vision and why most people's vision never amounts to anything more than a pipe dream  The most important secret you need to know in order to create a successful income-producing asset that will pay for your dream life (I'm still surprised that no one else seems to be talking about this!)  The possible income options that are available to maintain a financially free lifestyle or status.. The best income streams to start  The top ETFs to invest in to get the most return  Dividends or selling, which is better?  How to figure out how much money you need to have to retire It's time you be your own boss, save, retire at a young age, and achieve financial freedom. Reach your greatness through successful habits, investing, creating wealth, and finally retiring to manage the wealth. Scroll up, click buy, purchase the book, and you will never regret it. It's time to hit our financial legacies. Invest wisely. Live happily. Retire young.

Passive Income

Author : Gianmarco Venturisi
Publisher :
ISBN 13 :
Total Pages : 152 pages
Book Rating : 4.5/5 (911 download)

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Book Synopsis Passive Income by : Gianmarco Venturisi

Download or read book Passive Income written by Gianmarco Venturisi and published by . This book was released on 2021-01-06 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Would you also like to find a way to get an income when you are still 40 or 50 years of age? If you are interested in this topic, read on. We are used to living routine. We wake up, we work our 8-10 hours a day, 5 or 6 days a week, we wait to receive our salary, almost always the same, we spend what we earn in daily expenses and, if we are happy with it, we save something. Maybe we dream of winning the lottery to change our life but ... what is the probability that this will happen? Is that the only possibility to radically change our future, making it more comfortable and less routine? Well, there are two news, one good and the other bad. The bad news is that by not changing habits we will not be able to get out of the vicious circle that keeps us tied to our routine. The good news is that ... there is a possibility of achieving financial independence and happiness through the use of one or more appropriate strategies. Passive income, associated with proper financial and budget management, form the basis for achieving the best forms of annuity and ... early retirement! This book aims to show the best strategies for building passive income, that is, income that can be obtained with an initial effort, but without having to continue working to obtain them. Rents, copyrights, video courses, info-business, are just some of these types of passive income. Reading this book you will learn: what passive income consists on what is the financial independence retire development how to define your needs analysis how to create your passive income and... how to boost your financial independence why create and follow a roadmap and much more! Although you may be skeptical about the possibility of achieving an important result such as that of financial independence, reality shows that several people, with the right mindset, succeed in improving their finances and this is not only the result of luck, but also and above all of method. The study of this guide, built to illustrate concepts step by step and in a simple way even not obvious, can give an effective possibility, opening an unexpected scenario and giving a real possibility of success. It's up to you now to make the next move. Buy "Passive Income: Aggressive Retirement " right now! Enjoy the reading!

Passive Income, Aggressive Retirement

Author : Rachel Richards
Publisher :
ISBN 13 : 9781087849096
Total Pages : 258 pages
Book Rating : 4.8/5 (49 download)

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Book Synopsis Passive Income, Aggressive Retirement by : Rachel Richards

Download or read book Passive Income, Aggressive Retirement written by Rachel Richards and published by . This book was released on 2019-11-13 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: Bestselling author and finance guru Rachel Richards has one goal in mind: teaching you how to become financially free earlier than you ever thought possible, with passive income. Passive income is earned with little to no ongoing work. It's no get-rich-quick scheme, but once your passive income exceeds your expenses, you are set for life.

The 401(K) Millionaire

Author : Knute Iwaszko
Publisher : Villard
ISBN 13 : 030755404X
Total Pages : 245 pages
Book Rating : 4.3/5 (75 download)

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Book Synopsis The 401(K) Millionaire by : Knute Iwaszko

Download or read book The 401(K) Millionaire written by Knute Iwaszko and published by Villard. This book was released on 2009-05-06 with total page 245 pages. Available in PDF, EPUB and Kindle. Book excerpt: "If you, a regular Joe like me, are not a movie star or an overpaid professional baseball player or a lottery winner or a high-powered executive, what are your chances of becoming a millionaire? Better than you think--much better. And you don't have to strike oil to do it. The secret? It's not glamorous, but it is simple, and almost foolproof, because the math is in your favor. It's my story, and the story of others who are quietly amassing 401(k) fortunes--and the simple plan to make your story my story. " A surefire plan for financial independence--through bull and bear markets. Knute Iwaszko--by turns a chemist, a salesman, and an innkeeper--made a million dollars without robbing a bank, without an inheritance, and without a Silicon Valley startup. He made it in a reliable but thoroughly new-fashioned way: by maximizing the potential of his 401(k) plan--and now he's going to tell millions of people how they, too, can become millionaires. This book will thoroughly explain the ins and outs of how 401(k) plans work, including tax benefits, contribution requirements and limits, withdrawal limitations, and risk management--and then fully describes "Knute's Unbeatable, Unbreak-able Rules for Making It to a Million": a foolproof formula that gives readers a step-by-step regimen for maximizing the potential of their 401(k) plans. With simple, accessible language and clear, detailed steps for financial success, The 401(k) Millionaire is required reading for anyone who wants to make the most of his or her money. "If you follow my five simple rules for 401(k) investing, there's no doubt in my mind that you can end up a 401(k) millionaire, too. Allow me to demonstrate how it's done . . ." 401(k) millionaire Knute Iwaszko's practical, surefire plan for financial success includes such topics as: How I Became a 401(k) Millionaire The 401(k): Your Personal Money Machine The Perils of Procrastination Maxing Out: More Money for You--and Less for Uncle Sam Learning the Ropes: Your Inner Savvy Investor Be Aggressive: Your Retirement Depends on It Knute's Recipe for Success

Safety-First Retirement Planning

Author : Wade Donald Pfau
Publisher : Retirement Researcher Guid
ISBN 13 : 9781945640063
Total Pages : 368 pages
Book Rating : 4.6/5 (4 download)

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Book Synopsis Safety-First Retirement Planning by : Wade Donald Pfau

Download or read book Safety-First Retirement Planning written by Wade Donald Pfau and published by Retirement Researcher Guid. This book was released on 2019-10 with total page 368 pages. Available in PDF, EPUB and Kindle. Book excerpt: Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.

Personal Wealth Management and Retirement

Author : Charles Kandziolka
Publisher : Lulu.com
ISBN 13 : 1300140224
Total Pages : 154 pages
Book Rating : 4.3/5 (1 download)

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Book Synopsis Personal Wealth Management and Retirement by : Charles Kandziolka

Download or read book Personal Wealth Management and Retirement written by Charles Kandziolka and published by Lulu.com. This book was released on 2012-11-01 with total page 154 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement is about personal choices and requires a lot of determination and dedication for you to live in comfort in your chosen lifestyle. Personal Wealth Management and Retirement will let you live your retirement on your terms. Personal Wealth Management and Retirement is about retirement, investing, and estate planning. You will learn how to take control of your retirement and produce spectacular returns on your investments. Using four core-investing principles you will be able to: * Protect your assets against drops in the stock market * Grow your nest egg to outpace inflation * Eliminate commissions and fees and keep that money for yourself * Minimize or eliminate taxes on your nest egg * Use the power of compounding to accumulate wealth. Take control of your future, keep the money your investments earn and you will be well on your way to a comfortable and enjoyable retirement.

Financial Straight Talk

Author : Dee Mosier
Publisher : AuthorHouse
ISBN 13 : 1452056773
Total Pages : 180 pages
Book Rating : 4.4/5 (52 download)

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Book Synopsis Financial Straight Talk by : Dee Mosier

Download or read book Financial Straight Talk written by Dee Mosier and published by AuthorHouse. This book was released on 2010-09-07 with total page 180 pages. Available in PDF, EPUB and Kindle. Book excerpt: Your #1 goal should be to have money for retirement. We all want the finer things in life; we are a society obsessed with instant gratification. However, all of your decisions (the financial ones, at least) should be primarily based on both your future and your retirement. With this as an overall theme, this book will walk you down the road to retirement, providing you with options and choices that are most appropriate for your particular situation. No one said the road would be easy, but do not worry, we will face those speed bumps head on, and we will do it together. The best time to start planning for retirement is now! A significant change in the last 20 years is the position of global investments. In 1990, 75 percent of investment opportunities were in the United States and 25 percent in other places around the world. Currently, it is almost the opposite with about 75 percent of the opportunities outside the United States. The U.S. is still the #1 financial leader in the world. Japan is #2. In 2010, China overtook Germany to become #3. We need to recognize that other countries are maturing and we want to make sure you have considered all investment opportunities that exist. By the end of this book, you will be comfortable enough to make your own decisions regarding your investments. If you are not, it will allow you to be comfortable asking any financial consultant the right questions. This book is about giving you new tools. So, we brought in Morningstar® to enable you to evaluate your options and introduced a global perspective to help you maximize potential returns. Think of it this way: if this were your favorite coffee blend (with all the right ingredients), you would want a refill.

How Much Can I Spend in Retirement?

Author : Wade Donald Pfau
Publisher : Retirement Researcher Media
ISBN 13 : 9781945640025
Total Pages : 348 pages
Book Rating : 4.6/5 (4 download)

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Book Synopsis How Much Can I Spend in Retirement? by : Wade Donald Pfau

Download or read book How Much Can I Spend in Retirement? written by Wade Donald Pfau and published by Retirement Researcher Media. This book was released on 2017-09-23 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen's 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50-75 percent stock allocation should be reasonably safe. I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices. However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks. Retirees need to weigh the consequences between spending too little and spending too much-that is, being too frugal or running out of assets. This book is about implementing what I call the "probability-based" school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.

Aggressive Retirement Through Passive Income

Author : Muzec Adem
Publisher :
ISBN 13 :
Total Pages : 66 pages
Book Rating : 4.5/5 (9 download)

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Book Synopsis Aggressive Retirement Through Passive Income by : Muzec Adem

Download or read book Aggressive Retirement Through Passive Income written by Muzec Adem and published by . This book was released on 2021-01-03 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Passive income is an income that you don't directly work for, or you do the work once and keep getting paid. For example, any interest you earn on investment would be a passive income, or if you wrote a book then your royalties would also be passive income.Creating a passive income is about putting in the hard work now to reap the benefits later. Passive income does not start coming in overnight it could take years to get enough passive income to really make a change in your life. It took me 5 years of blogging alongside a full time job before I was able to leave my job and focus on my online income, and even then it took 4 months of working on it full time before my passive income reached the same amount I was earning from my full time job.It is a lot of hard work and there are no quick fixes. There are tried and tested methods out there but it is about finding what works for you. You need to be passionate about what you do because you will spend a lot of time doing it. However, by generating a passive income you can start to experience financial freedom and the ability to work when you want to work and spend your life doing what you want to do.If you regularly feel the Sunday Scaries or always dread getting up for work in the morning, this book is for you. This book is for the college student already dreading the 9-5 life that waits him upon graduating; the couple who would rather spend their time doing what they want, instead of slaving away for their employers every day; and the single parent who is barely scraping byWhat is passive income? Passive income is earned with little to no ongoing work. It's no get-rich-quick scheme, but once your passive income exceeds your expenses, you are set for life.

How Much Can I Spend in Retirement?

Author : Wade Pfau
Publisher :
ISBN 13 : 9781979199049
Total Pages : 0 pages
Book Rating : 4.1/5 (99 download)

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Book Synopsis How Much Can I Spend in Retirement? by : Wade Pfau

Download or read book How Much Can I Spend in Retirement? written by Wade Pfau and published by . This book was released on 2017-10 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen''s 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50-75 percent stock allocation should be reasonably safe. I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices. However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks. Retirees need to weigh the consequences between spending too little and spending too much-that is, being too frugal or running out of assets. This book is about implementing what I call the "probability-based" school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.

The Charles Schwab Guide to Finances After Fifty

Author : Carrie Schwab-Pomerantz
Publisher : Crown Currency
ISBN 13 : 0804137374
Total Pages : 434 pages
Book Rating : 4.8/5 (41 download)

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Book Synopsis The Charles Schwab Guide to Finances After Fifty by : Carrie Schwab-Pomerantz

Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.