The Myths and Realities of Retirement Planning

The Mathematics of Retirement Portfolios This article deals with several important retirement questions: “How much money do I need in my investment portfolio at the start of retirement?” and “How much can I safely withdraw from my investment portfolio during the retirement years?” A Do-It-Yourself Approach to Target Date Retirement Investing Target date mutual funds…

 

Gauging Your Psychological Readiness for Retirement

Those near retirement should ask themselves a very important question: Am I psychologically ready to change my lifestyle from being employed full-time to being retired? It’s a big question that often does not receive much attention. Rather, most of the focus on retirement readiness centers on savings. Workers are commonly told to ensure that they…

 

AAII Survey: Biggest Concerns About Retirement

Retirement has the potential to be a relaxing and fulfilling stage of life. As with any major change, however, retirement presents a new set of challenges that may cause anxiety. How do you manage health care costs? How do you keep from outliving your money? How do you leave an inheritance? AAII Weekly Survey Question…

 

Delaying Retirement, But Not Your Retirement Dreams

Many investors today who had planned to retire early at 62 when they became eligible for Social Security benefits—albeit at a reduced rate compared with retiring at full retirement age—are discovering that those benefits, combined with their retirement savings, cannot support the lifestyle they expected or provide the financial cushion in retirement they desire. Often,…

 

Computerized Investing’s August 2018 Update

As promised, this Computerized Investing (CI) edition will be the last “stand-alone” monthly edition. Going forward, Computerized Investing will be part of the AAII Journal, and you can look for the first article in the September AAII Journal, followed by a second article in November. In August’s Computerized Investing, we have one article: “Using the…

 

Retirement Planning Mistakes Investors Often Make

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   Retirement Planning Mistakes Investors Often Make Planning for retirement is commonly focused on the accumulation of wealth. While building up savings prior to retirement is critical, having a plan for transitioning to and living in retirement is also important. It is in this second…

 

Retirement Strategies for Volatile Markets

Volatile and uncertain market conditions are particularly troublesome for those who have recently retired or are near retirement. The decisions made during this critical period can significantly determine whether savings will last throughout one’s lifetime. Christine Fahlund, a senior financial planner at T. Rowe Price, says there are simple steps that can increase the odds…

 

AAII Survey: Most Readers Not Worried About Running Out of Money in Retirement

Running out of money in retirement is a major concern for older Americans, especially since so many are considerably behind on savings. According to a 2016 Transamerica study, 43% of workers 50 and older claim that their greatest retirement-related fear is outliving their savings. A 2015 survey released by the American Institute of CPAs had…

 

AAII Survey: Most Investors Believe Future Retirees Will Be Worse Off Than Those Already Retired

The goal of every generation should be to leave the world in better shape than they found it and to be better off than previous generations. That was the case for generations up until the Baby Boomers. Since then, uncertainty has crept into the equation. Ask today’s millennials and Gen-Z’ers and they are far less optimistic…