Recreating Sustainable Retirement
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Recreating Sustainable Retirement
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Author : Olivia S. Mitchell
language : en
Publisher: OUP Oxford
Release Date : 2014-10-16
Recreating Sustainable Retirement written by Olivia S. Mitchell and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-10-16 with Business & Economics categories.
The financial crisis and the ensuing Great Recession alerted those seeking to protect old-age security, about the extreme risks confronting the financial and political institutions comprising our retirement system. The workforce of today and tomorrow must count on longer lives and deferred retirement, while at the same time it is taking on increased responsibility for managing retirement risk. This volume explores new ways to think about, manage, and finance longevity risk, capital market risk, model risk, and regulatory risk. This volume offers an in-depth analysis of the 'black swans' that threaten private and public pensions around the world. Capital market shocks, surprises to longevity, regulatory/political risk, and errors in modelling, will all have profound consequences for stakeholders ranging from pension plan participants, plan sponsors, policymakers, and those who seek to make retirement more resistant. This book analyzes such challenges to retirement sustainability, and it explores ways to better manage and finance them. Insights provided help build retirement systems capable of withstanding what the future will bring.
Recreating Sustainable Retirement
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Author : Olivia S. Mitchell
language : en
Publisher: Pension Research Council
Release Date : 2014
Recreating Sustainable Retirement written by Olivia S. Mitchell and has been published by Pension Research Council this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with Business & Economics categories.
This volume offers an in-depth analysis of the threats to private and public pensions around the world including capital market shocks, surprises to longevity, regulatory/political risk, and errors in modelling.
The Silent Retirement Crisis
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Author : Cindy Couyoumjian
language : en
Publisher: Greenleaf Book Group
Release Date : 2023-10-31
The Silent Retirement Crisis written by Cindy Couyoumjian and has been published by Greenleaf Book Group this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-10-31 with Business & Economics categories.
Retirement does not have to be stressful and scary. With proper planning, Americans can not only retire comfortably: They can also prosper. Cindy Couyoumjian’s third book explores the silent retirement crisis that will impact millions of Americans. She uses the term silent to convey the idea that the majority of those who are about to retire, or are in retirement, share a common and unspoken fear—running out of money. Couyoumjian asserts that the anxiety people have about their retirement is not a misdirected emotion. We are led to believe that the fear (silent as it is) is due to our lack of financial literacy or not having a financial plan in place. While some of this is true, it’s not totally our fault: Her book addresses the big-picture, systemic problems that conspire against average Americans while favoring the wealthy few. The first third of the book explores how broken capitalism has contributed to our broken retirement system. The second third offers us a new way of thinking and investing, underscoring how university endowments have achieved extraordinary return by using a multi-asset class investment approach. Part III offers meaningful solutions to the retirement crisis. The author introduces us to her flexible and customizable REALM model designed to potentially protect clients from sudden market losses. Also included is other valuable information such as estate planning, tax strategies, 401(k) rollover options, life insurance, and long-term care initiatives. Couyoumjian shows us that retirement planning isn’t just savings and investing. With an umbrella of other planning items, we can take action to make the difference between an anxious retirement defined by uncertainty and a comfortable one, grounded in prosperity. Founder of Cinergy Financial, Cindy Couyoumjian believes financial literacy is a moral imperative and has dedicated her professional life to helping people understand the constantly evolving financial and economic landscape. With 37 years of industry experience, she is a leader in the financial industry, managing over $200,000,000 in assets. She is the author of two previous best-selling books, Redefining Financial Literacy, (2021) and The Rise of Women and Wealth (2022). She has appeared on NBC, CBS, FOX 40, talk radio AM870 and 790 KABC, and was a brand contributor to Forbes in 2020. Her dedication and commitment to empower with facts, not fear, are unwavering as she continues to educate and guide her clients toward their individualized financial goals and objectives.
Future Proof Investing
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Author : Kelly Gilbert
language : en
Publisher:
Release Date : 2013-12-12
Future Proof Investing written by Kelly Gilbert and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013-12-12 with Business & Economics categories.
Investing for your retirement is a lot like planning a mission to Mars: it seems like it's impossibly far away, and there are all kinds of potential dangers and unknown threats. There's an abundance of misinformation about what your destination is like and the best way to get there. And once you arrive you have to figure out how to survive on nothing but the supplies you brought with you. So how are you going to future proof your investments? Mission planners Kelly Gilbert and Steve Kitchens will show you how to dodge the pitfalls and make a plan for an attainable and sustainable future.
Don T Let Life S Waves Wash Away Your Retirement Create Sustainable Income
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Author : Milton D Flanagan
language : en
Publisher: Milton D Flanagan
Release Date : 2022-09-01
Don T Let Life S Waves Wash Away Your Retirement Create Sustainable Income written by Milton D Flanagan and has been published by Milton D Flanagan this book supported file pdf, txt, epub, kindle and other format this book has been release on 2022-09-01 with Business & Economics categories.
Concerned about having consistent income in retirement? This book provides practical ways and incites to create income that just might help your income last a lifetime.
How Much Can I Spend In Retirement
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Author : Wade Pfau
language : en
Publisher:
Release Date : 2017-10
How Much Can I Spend In Retirement written by Wade Pfau and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-10 with categories.
How much can you spend in retirement? Naturally, this is an essential question for those approaching this important life transition. Essentially, if you wish to retire one day, you are increasingly responsible for figuring out how to save during your working years and convert your savings into sustainable income for an ever-lengthening number of retirement years. The nature of risk also changes in retirement, as the lifestyle of retirees become more vulnerable to the impacts of market volatility, unknown longevity, and spending shocks. Retirees have one opportunity to build a successful plan. It is not an easy task, but it is manageable. This book focuses on sustainable spending from investments, which is an important piece of any retirement plan. People want to know if they have saved enough to be able to fund their lifestyle in retirement. In this book, I explain the findings of a large body of financial planning research regarding sustainable spending from investment portfolios in the face of a variety of retirement risks. That body of research tends to begin with the 4 percent rule of thumb for retirement spending. I explain how and why it was developed, what it means, and when it may or may not be appropriate for retirees. William Bengen''s 1994 study gave us the concept of the SAFEMAX, which is the highest sustainable spending rate from the worst-case scenario observed in the US historical data. The Trinity study added portfolio success rates from the historical data for different spending strategies. Both studies suggest that for a thirty-year retirement period, a 4 percent inflation-adjusted withdrawal rate using a 50-75 percent stock allocation should be reasonably safe. I have reservations about the 4 percent rule. It may be too aggressive for current retirees for reasons including increasing longevity, historically low interest rates coupled with higher than average stock market valuations, the impact of the international experience with the 4 percent rule casting a different light than 20th century US historical data, the need to maintain a rather aggressive asset allocation to have the best shot at success, and because the 4 percent rule assumes that investors do not pay any fees or otherwise underperform the underlying market indices. However, other factors suggest that sustainable spending may be even higher than traditional studies imply. Reasons for this include that actual retirees may tend to reduce their spending with age, that they build more diversified portfolios than used in the basic research studies, that real-world retirees may be willing to adjust spending for realized portfolio performance, and that some retirees may have the capacity and tolerance to accept higher portfolio failure probabilities because they have other sources of income from outside their portfolios. Related to these points, I also analyze nine variable spending strategies for retirees as well as the use of strategies that support short-term spending needs with individual bonds and longer-term spending needs with stocks. Retirees need to weigh the consequences between spending too little and spending too much-that is, being too frugal or running out of assets. This book is about implementing what I call the "probability-based" school of thought for retirement planning. It is especially relevant for people who plan to fund their retirements using an investment portfolio and those who are hesitant about using income annuities or other insurance products. I will explore annuities and insurance more extensively in later volumes since I do believe in the value of risk pooling as an additional source of returns to more efficiently meet retirement spending goals. But for now, we have plenty to discuss within the world of sustainable spending from an investment portfolio in retirement. The book concludes with a discussion about how to put these ideas together into a retirement spending plan.
The Redefining Of Retirement
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Author : Ryan Darwish
language : en
Publisher: CreateSpace
Release Date : 2015-01-01
The Redefining Of Retirement written by Ryan Darwish and has been published by CreateSpace this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-01-01 with categories.
Written by Ryan Darwish, a practicing Fee-Only Certified Financial Planner with over 25 years of experience helping people prepare for, and live through their retirement years, this book presents a new look at retirement. It offers a path through the retirement journey that is relevant to the realities of today. At a personal and societal level, there is a looming retirement crisis. People nearing retirement are not financially prepared. When viewed through the current economic and cultural perspective, there is little chance that sufficient time exists to accumulate the financial resources needed to secure the vision of retirement that is heavily marketed, and as consequence has become the metric of retirement success or failure. This is a book about changing the way in which retirement is viewed in order to empower the individual with conscious choices that may not have been realized were available. It is a book about making realistic choices which increase the probability that sustainable well-being, and a fulfilling, meaningful retirement can be achieved.
Pension Funds And Sustainable Investment
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Author :
language : en
Publisher: Oxford University Press
Release Date : 2023-04-15
Pension Funds And Sustainable Investment written by and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-04-15 with Business & Economics categories.
This is an open access title available under the terms of a CC BY-NC-ND 4.0 International licence. It is free to read at Oxford Scholarship Online and offered as a free PDF download from OUP and selected open access locations. Since its green shoots first emerged around 50 years ago, acceptance of environmental, social, and governance (ESG) considerations in institutional investing-especially at pension funds-has evolved with distinct shifts in investor preferences. This Pension Research Council volume traces these shifts and their implications, leading up to the present day. The book notes that investors have diverse reasons for devoting attention to ESG criteria when deciding where to invest their money. Some had religious motives, such as Quakers who focused on values; this approach can offer some risk mitigation. Nevertheless, studies that look at whether divestment actually changes companies' behaviors show that this rarely occurs. Accordingly, this book offers a variety of distinct viewpoints from a variety of countries, on whether, how, and when ESG criteria should, and should not, drive pension fund investments. The authors also find that policymakers should consider fund consolidation in private sector retirement systems, along with whether service-provider incentives could be better be aligned with sustainability incentives. For instance, boosting transparency in these markets would help generate better-informed policies, while providing beneficiaries with information relevant to their savings choices.
Is Retirement Sustainable
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Author : Philip H. Bowers
language : en
Publisher:
Release Date : 1996
Is Retirement Sustainable written by Philip H. Bowers and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996 with Old age pensions categories.
Beyond The 4 Rule
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Author : Abraham Okusanya
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2018-03-05
Beyond The 4 Rule written by Abraham Okusanya 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 2018-03-05 with categories.
Cogent, comprehensive, and entertaining, joins the best yet written in the field!' - Bill Bengen, the father of the '4% rule.' 'An effervescent contribution to the growing decumulation literature.' - Gregg McClymont, Shadow Pensions Minister (2011-2015) 'Abraham has done a great job exploring how the retirement research can be applied to UK retirees' - Michael Kitces MSFS, CFP, Partner at Pinnacle Advisory Group Retirement income planning used to be so simple. Most people never had to worry about how to convert their retirement savings into income for the rest of their lives. Today's low annuity rates, closure of increasing numbers of defined benefit schemes and the Pension Freedoms, introduced by the UK Government in 2015, ripped up the retirement income planning rulebook. The book confronts the challenge of how to secure a sustainable income that lasts a lifetime from your portfolio. It delves into the detail of the various withdrawal strategies, asset allocation and the unavoidable question of how long before you pop your clogs. This book helps retirees and their advisers navigate the treacherous retirement income landscape, using sound empirical evidence and practical application.