Retirement Articles
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Still Worried About Retiring
The good news is that Americans halted a several year slide in their confidence about being able to afford retirement. The bad news is that the confidence level is low and Americans aren’t any more confident than they were last year. That’s the conclusion of the annual 2012 Retirement Confidence Survey by the Employee Benefits […]
How Much Economic Security Do Seniors Have?
Economic security, or insecurity, on an aggregate basis is tough to measure. We’ve all seen the surveys that report the average American family has only a relatively few thousand dollars saved for retirement. But those surveys include all age groups. So the kids in their 20s just starting out are included with those in or […]
Losing Another Long-Term Care Option
Long-term care insurance has had its troubles the last couple of years. Sales of the policies still haven’t approached sales levels many anticipated as the Baby Boomers age. There are a range of reasons: high cost, complicated terms, people not wanting to think about it, and more. The companies also are troubled by low interest […]
Why Buy-and-Hold Investing Doesn’t Work
Andrew Lo is a bright economist at MIT who also is involved with several financial firms. A few years ago he coined the term adaptive markets to explain something we’ve been saying for years. Markets are composed of people, and people don’t react the same way to the same stimulus every time. They learn, or […]
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Estimating Life Expectancy – Some New Data
You can’t do a retirement planning without an estimate of how long retirement will last. There’s no way, of course, to know how long you’ll live. But you can establish some probabilities. Interestingly there’s some new data on life expectancy and death rates as we age. For about a couple of centuries, statisticians believed death […]
How Safe Is Your Brokerage Account?
The safety of brokerage accounts is front and center for the first time since 2008, thanks to the bankruptcy of MF Global. News stories indicate that about $1.6 billion of customer funds disappeared from MF Global accounts. Customers are denied access to all or part of their account balances and many won’t be made whole. […]
New Paths to Guaranteed 401(k) Account Income
New laws and regulations make it easier to convert your 401(k) into guaranteed lifetime income. Longevity annuities don’t start paying income until you’re 80 or 85. Previous rules didn’t allow them in retirement plans, because you had to begin taking distributions after age 70½. The Treasury Department recently issued new rules that say the RMD […]
Evaluating the Long Term Care Insurance Decision
Most people don’t buy long-term care insurance, and they also aren’t prepared to pay for long-term care needs. In general, Americans also aren’t well-informed about either long-term care or insurance to cover it. Let’s debunk some myths and then take a rational look at the decision of whether or not to buy LTCI. What’s the […]
