Retirement Planning: A Step-By-Step Approach

It’s complicated, it requires detailed work—but it’s all right here in a how-to-do-it format. So, get out your calculators (one that can solve for exponentials) … More than any single factor, money will determine when people will retire and the type of lifestyle they will have during retirement. This article is designed to help you…

 

Guidelines for Projecting Retirement Savings

One of the challenges of retirement planning is projecting how much money you will have in the future. For those of us who are many years away from retirement, this a big uncertainty. We can use various tools and calculators, but they often rely on us making assumptions. The assumptions largely focus on three things:…

 

A Do-It-Yourself Approach to Target Date Retirement Investing

Advertised as a one-stop shopping, automatic-pilot retirement vehicle, life cycle or target date mutual funds have become increasingly popular. These funds are aimed at individuals seeking an all-in-one retirement fund to invest his or her retirement nest egg, with a target date whose termination date approximates the date of his or her projected retirement (e.g.,…

 

Computerized Investing’s New March Content

Computerized Investing’s new March content is now available! This month includes: Cryptocurrencies and Bitcoin: What are They? An introduction to cryptocurrencies and how they work. Eight ways Online Retirement Planning is Superior to That Printed Reported Stashed Somewhere in Your Desk The founder and CEO of NewRetirement, an online retirement planning service, describes concrete ways…

 

Determining Your Allocation at Retirement

The AAII Journal articles on retirement allocation by Jerome Clark and Josh Cohen present different strategies for the amount of stocks and bonds an investor should hold at retirement. Specifically, they disagree on whether investors should immediately increase their fixed-income holdings at retirement (termed the “to” strategy) or gradually increase their fixed-income holdings throughout their retirement years (the…

 

Computerized Investing’s New February Content

Computerized Investing’s new February content is now available! This month includes: CI’s Best of the Web for Personal Finance, Retirement Planning and Tax Resources An update of the websites that offer the best guidance and tools for personal financial planning issues, including budgeting, handling your taxes and getting ready for retirement. Classic Technical Indicators: Advanced…

 

Living off Retirement Savings in a World of Uncertain Return Patterns

A “conservative” approach doesn’t necessarily need to translate into more conservative investments in your portfolio during your retirement years. Look in almost any financial publication or informational brochure aimed at individual investors and you will find broad asset allocation recommendations for the various stages of one’s life. Most of these recommendations are based on similar…

 

Top AAII Blog Posts of 2017

Here are the most-read AAII Blog posts for 2017:   When to Sell and Nail Down Your Profits—While You Still Have Them When you go through a complete market cycle, your real objective is to nail down as much of the profits you’ve built as possible. Proven sell rules to follow so you can keep…

 

AAII Survey: Readers Outline Retirement Goals, Biggest Obstacles to Achieving Them

Everyone has a different view of retirement and, thus, different goals they hope to achieve in retirement. The goals may include taking better care of themselves, traveling more, spending more time with friends and family, etc. AAII Weekly Survey Question To get an idea of the biggest goal our readers have for retirement, last week’s…

 

Retirement Readiness Is Being Assessed in the Wrong Manner

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   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?” Retirement…