Lifetime Income To Retire With Strength
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Lifetime Income To Retire With Strength
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Author : Bruno Caron
language : en
Publisher:
Release Date : 2020-11-25
Lifetime Income To Retire With Strength written by Bruno Caron and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-11-25 with categories.
A shifting retirement landscape demands that retirees seek new strategies that emphasize lifetime income. Many recent social, demographic, and economic factors have heightened the already significant risks around longevity. Lifetime Income to Retire with Strength addresses those changes and other issues retirees face through the lens of longevity risk. In an era where conventional retirement planning approaches are challenged, author Bruno Caron proposes an innovative new approach based on a strategic combination of asset management, insurance, risk pooling and income generation. Emphasizing the importance of lifetime income in retirement planning, Caron offers a logical rationale for considering investment and insurance tougher as two pillars critical to retirement income planning. The book's framework invites the retirees, pre-retirees and anyone interested in retirement planning to shift from the traditional "spending rate vs. probability of ruin" trade-off to a "spending rate vs. bequest" trade-off. Through historical, actuarial and logical perspectives, Caron examines the urgent challenges around retirement planning and offers thoughtful solutions based on his experience as an actuary, entrepreneur and stock and credit analyst.
Retirement Investing For Income Only
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Author : Bruce C Miller Cfp
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2014-09-30
Retirement Investing For Income Only written by Bruce C Miller Cfp and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-09-30 with categories.
Since 2012 approximately 10,000 Baby-Boomers are attaining age 65 EACH DAY and will continue at this rate for 19 YEARS!! WHEW! Of those retiring today, according to the Bureau of Labor Statistics, less than 16% will have a pension. All others will be taking their retirement savings with them as they leave their job for the last time.The quest for reliable income in retirement is now upon us! The days of investing to 'beat the market' are over! For retirees, the fun and games are done...its time, for most, to get serious about how retirement savings are invested. And what retirees want is income...reliable, growing with inflation and income that will last. The retiree wants income that will be there each month to replace the now absent paycheck. In addition, most retirees want to understand...fully understand...how their savings dollars are being invested. They want to see it. It must be clear. The days of poorly-understood 'black boxes', get rich plans and those ubiquitous financial 'free lunches' are nothing but bad memories. Its time to get serious.This book takes the singular approach to generating reliable and inflation growing income to the retirement household, quarter after quarter, year after year and decade after decade....using only the income produced by these investments. Income investments are limited to long time income paying stocks, preferred stock, bonds and possibly alternative income instruments, such as Royalty Trusts, Business Development Companies or mutual funds (closed end, open end and Exchange Traded). This book analyzes each of these, in detail, on where their cash flows come from, how reliable their cash flows have been over the years and for the core income holdings such as C-Corporations, Utilities, REITs and Master Limited Partnerships, the underlying financial strength of the company thus their ability to sustain and grow their dividends into the future.Yes, this book gets into the details and math is involved. Now, this is relatively easy math...but it is math. The retiree will need to do some adding and dividing...but it is very doable...it just must be done. In fairness, this may not work for all retirees. Those retirees who swoon at the thought of balancing their checkbook or shudder at the thought of calculating the 15% tip on their restaurant bill, this book may not be for them. For everyone else, this book provides a clear and unambiguous pathway to determining if the company paying a 4.5% dividend really has the financial strength to sustain and grow it over the quarters ahead. The work required to determine this is not hard...it is doable...but it is work.Having offered that fair warning, I can assure any retiree with high confidence that if you follow my discussions, work through the examples I provide and are diligent, the reward will be a long term reliable dividend paying income portfolio with great pride of ownership, zero expenses (other than the cost of initially buying the stocks) and an increasing sense of self confidence that would be almost impossible to attain in the world of fluctuating stock prices, rebalancing, cash buckets and portfolio survivability statistics.My personal mission in taking the hundreds of hours it has taken to compile, organize and publish this book is NOT to convince anyone that the pure income approach is the approach they should take. My purpose is to explain, in the best way experience and analytical ability will allow, how the pure income investment process should work. The book provides 85 charts, graphs and tables to help explain concepts and uses plain English narratives to explain financial analysis in a friendly yet non-patronizing way.Building a lifetime income portfolio requires work, but it will be work well worth the effort, as the retiree will come to realize as their dividends all come in on time, in at least the amount expected, year after year, regardless of what the stock market is doing or the stock experts are saying.
Retirement Simplified The Simple Two Step Formula To Retire Wealthy Worry Free
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Author : Daniel Rondberg
language : en
Publisher:
Release Date : 2020-07-18
Retirement Simplified The Simple Two Step Formula To Retire Wealthy Worry Free written by Daniel Rondberg and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-07-18 with Business & Economics categories.
Annuities For Dummies
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Author : Kerry Pechter
language : en
Publisher: John Wiley & Sons
Release Date : 2023-07-20
Annuities For Dummies written by Kerry Pechter and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-07-20 with Business & Economics categories.
Looking for steady retirement income? Read this book! Turning retirement savings into a steady income is a big step toward a worry-free retirement. This book introduces you to how to add annuities to your investment mix. It helps you evaluate how to select the best annuities for your needs and steer clear of the worst. You’ll learn how different types of annuities can help you turn your retirement savings into a monthly paycheck, protect your investments from market ups and downs, postpone taxes, stay in your home for the rest of your life, and even buy long-term care insurance for less.. Written by an annuity thought leader who is a frequent guest-expert on webcasts, podcasts and radio broadcasts as well as editor and publisher of Retirement Income Journal, the book offers the knowledge earned from interviews with hundreds of annuity industry insiders on their own turf. Get insight into which annuities do (or don’t) provide near-retirees and retirees with solid value. Stretch your savings into lifelong income Ask smarter questions when talking to an agent, broker or adviser Retire with less anxiety about the market Feel more in control of your financial life Annuities For Dummies is the must-have guide for anyone making retirement plans or managing their retirement savings.
Retirement Statistics
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Author :
language : en
Publisher:
Release Date : 1934
Retirement Statistics written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1934 with Civil service categories.
Growing Older In America
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Author :
language : en
Publisher:
Release Date : 2007
Growing Older In America written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Older people categories.
Annuities For Dummies
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Author : Kerry Pechter
language : en
Publisher: John Wiley & Sons
Release Date : 2011-02-09
Annuities For Dummies written by Kerry Pechter and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-02-09 with Business & Economics categories.
Why look into annuities? If you’re a Baby Boomer with little or no pension and most of your money in low-interest savings accounts, an annuity may be the key to a secure and comfortable retirement. How can you find out whether an annuity is right for you? Read Annuities For Dummies, 3rd Edition. This completely revised and updated, plain-English guide is packed with the latest information on choosing the best annuity for your retirement needs. You’ll find out exactly what annuities are, whether they’re the right financial vehicle for you, and which of the many annuity options might have your name on it. You’ll learn the ins and outs of using annuities to fund your retirement years, figure out whether to stress investments with insurance or insurance with investments, and find out how the right combination of annuities can help you squeeze more income out of your savings that any other financial tool. Discover how to: Identify the main types of annuities Weigh the pros and cons of annuities for yourself Minimize the complexity and cost of your annuity investment Figure out how much money to commit Avoid common annuity pitfalls Create an income you can’t outlive The time to start securing your financial future is now. Annuities For Dummies, 3rd Edition, gives you knowledge, insider tips, and expert advice you need to make your money do its best for you.
Nonfinancial Defined Contribution Pension Schemes In A Changing Pension World
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Author : Robert Holzmann
language : en
Publisher: World Bank Publications
Release Date : 2012-11-01
Nonfinancial Defined Contribution Pension Schemes In A Changing Pension World written by Robert Holzmann and has been published by World Bank Publications this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-11-01 with Business & Economics categories.
Nonfinancial Defined Contribution (NDC) schemes are now in their teens. The new pension concept was born in the early 1990s, implemented from the mid-1990s in Italy, Latvia, Poland and Sweden, legislated most recently in Norway and Egypt and serves as inspiration for other reform countries. This innovative unfunded individual account scheme created high hopes at a time when the world seemed to have been locked into a stalemate between piecemeal reforms of ailing traditional defined benefit schemes and introducing pre-funded financial account schemes. The experiences and conceptual issues of NDC in its childhood were reviewed in a prior anthology (Holzmann and Palmer, 2006). This new anthology published in 2 volumes serves to review its adolescence and with the aim of contributing to a successful adulthood. Volume 1 on Progress, Lessons, Implementation includes a detailed analysis of the experience and the key policy lessons in the old and new pilot countries and the implementation of NDCs elements in other reform countries. This volume 2 on Gender, Politics, Financial Stability includes deeper and new analyses of these issues that found little or no attention in the 2006 publication. The gender perspective includes 5 chapters with, perhaps, the most complete discussion on gender and pension issues available to date. The financial stability perspective addresses in 6 chapters critical micro- and macroeconomic aspects such as the balancing mechanism, the use of a reserve fund, the handling of legacy costs, and technicalities related to the management of the longevity risk when designing annuities. While the 2 volumes address many issues it also opens a number of new questions for which good answers are not yet readily available.
Longevity And Quality Of Life
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Author : Robert N. Butler
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
Longevity And Quality Of Life written by Robert N. Butler and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Medical categories.
Nations around the world are experiencing a spectacular increase in longevity. Society as a whole is being challenged by issues arising from this revolution in longevity. Although the specter of the loneliness and existential suffering of older citizens is such that some people under the age of 65 find it difficult to conceive of a long-term future, persons over 85 have proven that aging does not necessarily preclude a healthy and productive life. Extraordinary progress in both curative and preventive medicine justifies optimism about the quality of life and state of well-being that can be enjoyed even in great old age. We should look to professionals in diverse fields to develop creative solutions to the inevitable issues that will arise with aging. Governments must prepare for the future health of their citizens by making long-term investments to educate all sectors of society in the value of good nutrition, exercise, and lifestyles that enhance well-being throughout life. Also, governments should realize that the main cause of health care expenditure is serious illness which occurs in persons of all ages, and not predominantly in older people. Early detection can help save lives, as well. Health and longevity of life will ultimately end as a political issue. What is needed is long-term government investments necessary for a viable health policy. The question arises: will world leaders be able to commit to such a policy? Two major socioeconomic phenomena may have a regulating effect on this issue. The first is the emergence of pressure groups that have come into being in response to a particular health issue, such as AIDS. The second is the emergence of ethics committees in developed nations that deal solely with health issues.
Congressional Record
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Author : United States. Congress
language : en
Publisher:
Release Date : 1972
Congressional Record written by United States. Congress and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1972 with Law categories.
The Congressional Record is the official record of the proceedings and debates of the United States Congress. It is published daily when Congress is in session. The Congressional Record began publication in 1873. Debates for sessions prior to 1873 are recorded in The Debates and Proceedings in the Congress of the United States (1789-1824), the Register of Debates in Congress (1824-1837), and the Congressional Globe (1833-1873)