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Author : Nathan Bell
Publisher :
ISBN 13 :
Total Pages : 374 pages
Book Rating : 4.2/5 (23 download)
Download or read book Investing for retirement security written by Nathan Bell and published by . This book was released on 2021 with total page 374 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Nathan Bell
Publisher : Youcanprint
ISBN 13 :
Total Pages : pages
Book Rating : 4.2/5 (23 download)
Download or read book Investing for Retirement Security written by Nathan Bell and published by Youcanprint. This book was released on 2021-10-20 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Guy and Tom are two friends who work together in a similar capacity under the same company. They both are alike and different, alike in the sense that they share the same responsibilities and duties, but different in their reactions and willingness to perform these duties. Guy is always ready to perform them, even when unforeseen circumstances arise; he is simply always prepared. However, Tom is the direct opposite; he is in a constant state of panic and crisis based on the complaint that he does not have enough funds to support these situations.
Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0199696810
Total Pages : 328 pages
Book Rating : 4.1/5 (996 download)
Download or read book Financial Literacy written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2011-10-27 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.
Author : National Research Council
Publisher : National Academies Press
ISBN 13 : 0309261961
Total Pages : 230 pages
Book Rating : 4.3/5 (92 download)
Download or read book Aging and the Macroeconomy written by National Research Council and published by National Academies Press. This book was released on 2013-01-10 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is in the midst of a major demographic shift. In the coming decades, people aged 65 and over will make up an increasingly large percentage of the population: The ratio of people aged 65+ to people aged 20-64 will rise by 80%. This shift is happening for two reasons: people are living longer, and many couples are choosing to have fewer children and to have those children somewhat later in life. The resulting demographic shift will present the nation with economic challenges, both to absorb the costs and to leverage the benefits of an aging population. Aging and the Macroeconomy: Long-Term Implications of an Older Population presents the fundamental factors driving the aging of the U.S. population, as well as its societal implications and likely long-term macroeconomic effects in a global context. The report finds that, while population aging does not pose an insurmountable challenge to the nation, it is imperative that sensible policies are implemented soon to allow companies and households to respond. It offers four practical approaches for preparing resources to support the future consumption of households and for adapting to the new economic landscape.
Author : Larry E. Swedroe
Publisher : Harriman House Limited
ISBN 13 : 0857198386
Total Pages : 239 pages
Book Rating : 4.8/5 (571 download)
Download or read book Your Complete Guide to a Successful and Secure Retirement written by Larry E. Swedroe and published by Harriman House Limited. This book was released on 2021-02-23 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: Fully revised and updated second edition. This is your one-stop, definitive resource as you prepare for a secure and comfortable retirement. Investment and personal finance experts Larry Swedroe and Kevin Grogan present uniquely comprehensive coverage of every important aspect you need to think about as you approach retirement, including: Social Security, Medicare, investment planning strategy, portfolio maintenance, preparing your heirs, retirement issues faced by women, the threat of elder financial abuse, going beyond financials to think about your happiness, and much more. These topics are explained with the help of specialists in each subject. And everything is based on the "science of investing" – evidenced with studies from peer-reviewed journals. Overall, this adds up to a complete retirement guide, packed with the latest and best knowledge. Don't enter your retirement without it.
Author : Teresa Ghilarducci
Publisher : Columbia Business School Publi
ISBN 13 : 9780231185646
Total Pages : 166 pages
Book Rating : 4.1/5 (856 download)
Download or read book Rescuing Retirement written by Teresa Ghilarducci and published by Columbia Business School Publi. This book was released on 2018 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Rescuing Retirement, Teresa Ghilarducci and Tony James offer a comprehensive yet simple plan to help workers save for retirement, increase retirement savings by earning higher returns, and guarantee lifelong income for everyone. It offers a practical guide to the future of secure retirement.
Author : William G. Gale
Publisher : Brookings Institution Press
ISBN 13 : 0815739354
Total Pages : 406 pages
Book Rating : 4.8/5 (157 download)
Download or read book Wealth After Work written by William G. Gale and published by Brookings Institution Press. This book was released on 2021-07-27 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pensions and retirement saving plans have helped millions of households build financial security. But tens of millions of people have been left behind, without access to these wealth accumulation vehicles. For many others, the plans they have do not ensure financial security in retirement. The problems that underlie these failures can be addressed. This book proposes concrete, practical ways to make dependable retirement income accessible for all Americans—not just those with means. Individual accounts have eclipsed traditional pensions as the primary vehicle for retirement saving in the United States—a shift that underlies many sources of retirement insecurity. The 401(k) plan and similar accounts have increased financial security for many people but have done nothing for millions more. Many of those who do have such plans are burdened with the need to make numerous saving, investment, and withdrawal decisions that stress their financial acumen. Financial advice that is unbiased, unconflicted, and affordable is often difficult to find. Managing wealth in retirement—especially the need to convert retirement savings into steady income—poses significant challenges that current financial instruments and practices do not adequately address. Economic downturns like the Great Recession and the COVID-19 pandemic increase financial insecurity and make addressing these issues more urgent. Written by noted experts in the field, Wealth After Work offers practical solutions that address these concerns. The proposals show how policymakers can help all Americans gain access to retirement savings accounts, obtain better information about their savings choices, and better manage their wealth in retirement. By proposing solutions that build on, rather than replace the existing system, the book provides a nuanced, practical guide to reform that would benefit all Americans.
Author : United States. Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781973913825
Total Pages : 56 pages
Book Rating : 4.9/5 (138 download)
Download or read book Retirement Security, Improved Guidance Could Help Account Owners Understand the Risks of Investing in Unconventional Assets written by United States. Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-07-25 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: " Federal law places few restrictions on the types of investments allowable in tax-favored retirement accounts, such as IRAs or employer-sponsored 401(k) plans. Recent federal and state investigations and litigation have raised questions as to whether investing in unconventional assets may jeopardize the accounts' tax-favored status, placing account owners' retirement security at risk. GAO was asked to examine issues related to the potential risks and responsibilities associated with investments in unconventional assets. GAO examined: (1) what is known about the prevalence of accounts that invest in unconventional assets; (2) how these accounts are managed; and (3) what challenges are associated with administering these retirement accounts. GAO reviewed relevant federal laws, regulations, and guidance; analyzed data collected from the retirement industry; analyzed available industry documents; and reviewed 334 related consumer complaints collected from three federal agencies and two independent entities. "
Author : Jacques Lussier
Publisher : CFA Institute Research Foundation
ISBN 13 : 1944960821
Total Pages : 272 pages
Book Rating : 4.9/5 (449 download)
Download or read book Secure Retirement: Connecting Financial Theory and Human Behavior written by Jacques Lussier and published by CFA Institute Research Foundation. This book was released on 2019-09-19 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial science, both quantitative and behavioral, can be used to improve the retirement planning effort. Despite a vast amount of literature on the topic, Secure Retirement recognizes the need to validate this knowledge and develop a comprehensive framework for investors.
Author : Carrie Schwab-Pomerantz
Publisher : Crown Currency
ISBN 13 : 0804137374
Total Pages : 434 pages
Book Rating : 4.8/5 (41 download)
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.
Author : United States Government Accountability Office
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781977507587
Total Pages : 56 pages
Book Rating : 4.5/5 (75 download)
Download or read book Retirement Security written by United States Government Accountability Office and published by Createspace Independent Publishing Platform. This book was released on 2017-09-21 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Federal law places few restrictions on the types of investments allowable in tax-favored retirement accounts, such as IRAs or employer-sponsored 401(k) plans. Recent federal and state investigations and litigation have raised questions as to whether investing in unconventional assets may jeopardize the accounts' tax-favored status, placing account owners' retirement security at risk. GAO was asked to examine issues related to the potential risks and responsibilities associated with investments in unconventional assets. GAO examined: (1) what is known about the prevalence of accounts that invest in unconventional assets; (2) how these accounts are managed; and (3) what challenges are associated with administering these retirement accounts. GAO reviewed relevant federal laws, regulations, and guidance; analyzed data collected from the retirement industry; analyzed available industry documents; and reviewed 334 related consumer complaints collected from three federal agencies and two independent entities.
Author : Raimond Maurer
Publisher : Oxford University Press
ISBN 13 : 0191636304
Total Pages : pages
Book Rating : 4.1/5 (916 download)
Download or read book Reshaping Retirement Security written by Raimond Maurer and published by Oxford University Press. This book was released on 2012-09-27 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The worldwide financial crisis has wrought deep changes in capital and labor markets, old-age retirement systems, and household retirement and consumption patterns. Confidence has been shaken in both the traditional defined benefit and defined contribution plans. Around the world, plan sponsors, fiduciaries, policymakers, and households have gained a new awareness of retirement risk. When pressed to reform post-crisis, many would recommend enhancing financial advice for plan participants, emphasizing flexibility and the positive effect of working another one or two years to make up for investment losses in the downturn. Adding to this is the continuing need for financial education, essential as the retirement system moves increasingly toward personal account pensions. Perhaps most important of all is the need for greater understanding of risk throughout the retirement security system, along with new approaches to re-engineering retirement pensions. This volume explores the lessons to be learnt for retirement planning and long-term financial security in view of the massive shocks to stock markets, labour markets, and pension plans resulting from the financial crisis. It aims to rethink retirement in the new economic era, including the resilience of defined contribution plans and how defined benefit plans reacted to the financial crisis.
Author : Lynn Brenner
Publisher :
ISBN 13 : 9781885123091
Total Pages : 164 pages
Book Rating : 4.1/5 (23 download)
Download or read book Building Your Nest Egg with Your 401(k) written by Lynn Brenner and published by . This book was released on 1995 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written for 401(k) plan participants, this new book shows the 18 million working Americans enrolled in these plans how to invest their money intelligently and take advantage of the many benefits 401(k) plans offer. Full of colorful graphics and charts, BUILDING YOUR NEST EGG explains the basic rules of investing in a 401(k) with answers to 100 of the most frequently asked questions.
Author : United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions
Publisher :
ISBN 13 :
Total Pages : 56 pages
Book Rating : 4.3/5 (91 download)
Download or read book Retirement Security written by United States. Congress. House. Committee on Education and Labor. Subcommittee on Health, Employment, Labor, and Pensions and published by . This book was released on 2009 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Peter R. Orszag
Publisher :
ISBN 13 :
Total Pages : 164 pages
Book Rating : 4.F/5 ( download)
Download or read book Aging Gracefully written by Peter R. Orszag and published by . This book was released on 2006 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging Gracefully gathers a collection of essays that highlight policy ideas for promoting greater retirement savings among Americans. The essays were written as part of the Retirement Security Project, which is dedicated to promoting common sense solutions to improve the retirement income prospects of millions of American workers. The project is supported by The Pew Charitable Trusts, in partnership with Georgetown University's Public Policy Institute and the Brookings Institution. The essays included in this volume address issues such as: How an automatic 401(k) would encourage greater savings. How better structured 401(k) investments can reduce risks and increase growth. What impact the preferential tax treatment given IRAs and 401(k) plans has on low-income families. How IRA-contribution matching by employers can encourage low- and middle-income families to save more.
Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0198808038
Total Pages : 249 pages
Book Rating : 4.1/5 (988 download)
Download or read book Financial Decision Making and Retirement Security in an Aging World written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2017 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the world's population lives longer, it will become increasingly important for plan sponsors, retirement advisors, regulators, and financial firms to focus closely on how older persons fare in the face of rising difficulties with cognition and financial management. This book offers state-of-the-art research and recommendations on how to evaluate when older persons need financial advice, help them make better financial decisions, and to identify policy options for handling these individual and social challenges efficiently and fairly. This latest volume in the Pension Research Council series, draws lessons from theory and practice, and will be of interest to employees and retirees, consumers and researchers, and financial institutions working to design better retirement plan offerings.
Author : David M. Walker
Publisher :
ISBN 13 :
Total Pages : 328 pages
Book Rating : 4.E/5 ( download)
Download or read book Retirement Security written by David M. Walker and published by . This book was released on 1996-09-28 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: Millions of Americans face the possibility of a personal retirement crisis in the coming years. In the not too distant future, known demographic trends, projected financial imbalances in Social Security and Medicare programs, changes in employer pension and retiree health plans—and inadequate planning—threaten to derail your retirement security. Only through personal education, informed planning, and disciplined action can you insure a reasonable standard of living and quality of life throughout your retirement years. Retirement Security provides complete, candid, and insightful advice to help you separate retirement fact from fiction. Written by a retirement policy and planning expert with extensive experience in government and the private sector, this self-contained guide gives you the knowledge and the tools you need to make the most of your earnings and investments—both now and in the future. You will gain a solid understanding of the many components that affect your retirement security and the factors that drive them, including full coverage of Social Security, Medicare, pensions, retiree health arrangements, personal savings, and more. You will also find out how to design, implement, and amend your own retirement strategy, using a straightforward and effective seven-step method based on sound and proven retirement savings and investment principles. Whether you are embarking on a career, nearing retirement, or already retired, don't let your golden years be tarnished by financial insecurity. Retirement Security will show you how to plan, save, and invest in your future so that you can afford to retire. What is likely to happen to Social Security and Medicare programs? How can I make the most of my employer-sponsored pension and savings plans? How much income will I need for retirement? How should I invest what I save? When should I use IRAs or Keoghs? Now you can find answers to these and other critical questions in one book—Retirement Security, the most comprehensive and authoritative guide to retirement planning currently available. Combining sound analysis of the different components of retirement income with practical guidance on developing your own retirement strategy, the book's unique, two-pronged approach gives you the knowledge and the tools you need to make the most of your financial resources both now and in the future. Key features include: Comprehensive coverage of Social Security, Medicare, pensions, retiree healthcare, personal savings, and more. Clear explanations of the impact of demographics, economics, law, and politics on public and private sector programs and investments. A straightforward and effective seven-step method for devising and implementing your personal retirement plan. Crucial savings and investment principles to guide your retirement strategy. Informed guidance on where to seek further information about your government and employer-provided retirement benefits.
