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One of the common beliefs about retirement is that after stopping work people migrate to warm weather states such as Florida and Arizona. A lot of people do that, but they’re in the minority. The bulk of retirees stay in the same states and even in the same counties where they lived during their careers. […]
Most investors know whether they are buying load or no-load mutual funds. But few investors know how much they’re paying in fees on their retirement accounts, especially 401(k) plans. There are a number of fees imposed on some accounts. They’re disclosed, somewhere. It’s not always easy to find a total for the fees you’re paying. […]
That’s apparently what most Americans concluded after adding up the effects of the financial crisis. A survey by Bankers Life and Casualty found that many think they’ll delay retirement by five years after the crisis. The survey focused on middle income Baby Boomers, surveying 500 Americans ages 47 to 65 with incomes between $25,000 and […]
Employers help employees plan for and accumulate funds for retirement. Employers provide education and resources to help employees decide how much to save and how much to invest to be able to fund an attractive retirement. Yet, as employees near retirement, employers don’t have much to offer. There aren’t too many tools for planning distributions […]
A major debate among financial advisers is how badly economic and market downturns affect individual finances in the long-term. Some advisers and economists believe these events are cyclical, and that a severe downturn will be offset by an offsetting boom period at some point. In other words, most people will be able to recover what […]
For a long time, the average retirement in the U.S. steadily declined. It started to rise again around 2000, and in recent years many people below retirement age said they planned to work after age 65. The number of people who said they planned to delay retirement rose after the 2000-2002 bear market and rose […]
There are two big mistakes many people make in their retirement (or post-career) planning. One is to underestimate inflation and its effects during your silver years. The other mistake is to underestimate life expectancy, or longevity. For example: A Society of Actuaries survey in 2005 found two-thirds of retirees underestimate the average life expectancy at […]
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