Category

Retirement Income Funding

What Risks Are Worth Taking

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Risk drives everything about your investments, but all risk is not created equal. For most investors (and most of the financial industry) dealing with risk is a lot like making sausage. People want what it gets them, the investment returns, but they do…

Read More

Why You Make Profit From Investing

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Almost everyone knows that they need to invest their money to help prepare for retirement. It’s one of the keys to getting where you want to go. The markets may (ok, they will) bounce around in the short-term, but over the long-term they have done very…

Read More

Preparing for Retirement When You’re Starting Late

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that. Prepa…

Read More

Review: When to Switch from a Roth IRA to a Traditional 401(k)

By | Retirement Income Funding, Weekly Review | No Comments

Most people don’t really know whether they should use a traditional or Roth IRA or 401(k). It often simply comes down to the path of least resistance (or nothing at all). The standard advice is pretty straightforward – if you think your tax rate will be lower in retirement than it currently is then you should use a traditional IRA or 401(k). If you think your tax rate will go up in retirement, then you should put your money into a Roth account. What retirement accounts essentially do is allow you to choose when you want to pay taxes on your investments, so you want to pick whenever (you think) you will pay the lowest rate. But this article brings up an interesting wrinkle that I hadn’t considered before – for a lot of investors having wide open investment choices is not actually a good thing. When you can choose anything, a lot of people end up choosing nothing because they either get confused or just don’t want to deal with trying to sort everything out. If these types of folks stick with their company’s 401(k) plan (and the vast majority of 401(k) plans don’t offer the option of Roth […]

The post Review: When to Switch from a Roth IRA to a Traditional 401(k) appeared first on Retirement Researcher.

Read More

Review: 6 Things You Can Do to Retire by 40, According to People Who Did It

By | Retirement Income Funding, Retirement Spending Goals, Weekly Review | No Comments

Retiring early – especially by 40 – may not be easy, but it’s no more complicated than retiring at any other age. It’s still “just” funding your income for the rest of your life. Of course, when you retire at 40, that means you add another 25 years to your retirement, and take away 25 years from the time you have to prepare for retirement. But it’s doable. Just like any financial plan, it’s a question of how much you want to spend, and how much you can save. That first part – how much you want to spend – takes on an even bigger role when you retire early. Figuring out your goals is incredibly important for any financial plan. Those goals are the foundation the plan is built on. But, for most people, it’s incredibly hard to accurately predict what they want to spend in retirement. You’ll pick up a new hobby, or realize you forgot to account for something, or your priorities change through time. And this is just for a typical thirty-year retirement. It gets even harder when you double the length of your retirement – especially since you’ll be young and active for so much […]

The post Review: 6 Things You Can Do to Retire by 40, According to People Who Did It appeared first on Retirement Researcher.

Read More