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Retirement Planning

Bob Carlson shares miscellaneous advice on retirement and related topics

Found 101 Articles.
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Using Home Equity to Fund Retirement

May 1, 2014

Key changes recently were made in reverse mortgages. You should be aware of the changes and how they affect the way reverse mortgages can help in-crease your financial independence. Properly used, they are tools for employing home equity to enhance your retirement. The first change is that the Federal Housing Administration restructured the program again […]

U.K. Government Helps with Retirement Planning

April 21, 2014

The U.K. government recently liberalized national pension rules to allow retirees to take their benefits in a lump sum instead of being required to take them as a life annuity. The latest move they’re considering is to tell people how long they are likely to live and will need their nest eggs to last. The […]

Another View of the Savings Rate

December 27, 2013

The U.S. savings rate is too low. That’s been a consensus view for some time. But is it inaccurate? This post argues that it is. It argues that the personal savings rate is only part of the U.S. savings. Businesses also save, and they’ve been saving quite a bit for some time. In fact, business […]

Saving Too Much For Retirement

December 23, 2013

More of the retirement planning industry is catching on. For decades, retirement plans revolved around simple rules of thumb such as that you’ll spend about 80% of your pre-retirement income during retirement. At Retirement Watch we’ve warned for decades about these simple rules of thumb. They likely cause you to save too much or too […]

Are Retirees Financially Prepared For Retirement

September 23, 2013

Almost all media discussions about retirement conclude that most Americans are financially unprepared. Some paint very dire pictures of the fate of current and upcoming retirees. Yet, surveys of retirees aren’t that pessimistic. Indeed, most retirees and pre-retirees say they’ll be just fine financially, perhaps after making a few adjustments. Consider this discussion of the […]

The Millionaire Secrets to Getting Wealthy

August 15, 2013

You already know this stuff if you’re a long time reader of Retirement Watch. But millionaires have a number of practices that other people don’t have and don’t realize are key to accumulating wealth. Most of the points in this post seem to be from The Millionaire Next Door, a best-seller of a few years […]

The Soft Side of Retirement Planning

July 22, 2013

It seems that recently many people are becoming aware of something I’ve made clear in Retirement Watch over the years. Retirement isn’t all about the money, and as hard as it is to arrange your finances for a secure retirement, that isn’t the hard part. The hard part is what I call the soft side […]

$1 Million For Retirement Is Not Enough?

June 11, 2013

This article shouldn’t be news to anyone who reads Retirement Watch or my books, but it is news to The New York Times that a $1 million retirement nest egg might not be enough for most people. It lists all the mistakes people are likely to make: Investing only in bonds; underestimating life expectancy; forgetting […]

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