دانلود کتاب The Retirement Challenge: Will You Sink or Swim?: A Complete, Do-It-Yourself Toolkit to Navigate Your Financial Future

فهرست مطالب :

Contents......Page 8
Acknowledgements......Page 16
About the Authors......Page 17
Introduction......Page 18
Part I: Overview of the Retirement Problem......Page 24
Surviving in an Era of Cradle-to-Grave Insecurity!......Page 25
Lesson 2: The Changing Face of Retirement......Page 32
Work Optional......Page 36
Lesson 3: The Retirement Problem......Page 37
Part II: Meet Your Retirement Plans......Page 40
Pension Plans......Page 41
For Plan Sponsors......Page 47
For Participants......Page 48
Lesson 6: The Basic Defined Contribution Plan......Page 49
Funding Options......Page 52
Portability......Page 53
Lesson 7: Profit-Sharing Plans......Page 54
Lesson 8: Employee-Funded Plans......Page 55
What Is Wrong with Self-Funded, Self-Directed Plans?......Page 56
Investor Behavior......Page 60
Lesson 10: The 401(k) Plan......Page 64
Lesson 11: The 403(b) Plan—Not-For-Profit Enterprises......Page 67
Is Your 403(b) Plan Broken?......Page 69
Lesson 12: The Roth 401(k), 403(b) Option......Page 72
Lesson 13: Section 457 Plans for Municipal and State Employees......Page 73
Choosing the Right Plan Options......Page 75
Integrating Your Retirement Plan Assets into Your Total Financial Plan......Page 76
Learning to Love IRAs......Page 77
Types of IRAs......Page 79
Summary......Page 88
Lesson 16: Retirement Planning for the Self-Employed......Page 89
Lesson 17: How Does Your Plan Stack Up?......Page 92
Total Expenses......Page 93
Suggested Asset Allocations......Page 94
Company Stock: Just Say “No”......Page 95
Company Match......Page 96
Voluntary Freezes or Terminations......Page 97
Distress or Involuntary Terminations......Page 98
Defined Contribution: Plan Sponsor Failure......Page 101
Lesson 19: Should You Contribute to It?......Page 104
The Good......Page 106
Alternatives......Page 107
A Game Plan if Your Employee-Funded Plan Falls Short......Page 108
Summary......Page 109
Lesson 21: Help from the Courts......Page 110
Part III: Where Are You in Your Career?......Page 112
Lesson 22: Early and Mid-Career......Page 114
Lesson 23: Changing Jobs: Smart Moves for Your Pension Plan......Page 116
Take the Money and Run!......Page 117
Leaving the Money in Your Old Plan......Page 121
Rolling Your Plan into Your New Employer’s Plan......Page 124
Lesson 24: At Age 50, the Catch-Up Provisions......Page 128
Lesson 25: Approaching Retirement Transition Planning......Page 129
How to Retire Early and Not Pay the Taxman a Penalty......Page 131
Conclusion......Page 136
Lesson 27: 70 is the New 65: Delayed Retirement Advantages......Page 137
Summary......Page 140
Critical Choice: Lump Sum Versus Annuity for Distributions......Page 142
Which Assets to Spend First During Retirement?......Page 146
Paying Off the House at Retirement......Page 149
Additional Considerations......Page 151
Three Common Claims Brought by Investors......Page 154
What Do You Do When You Suspect That You Have Been Victimized?......Page 156
The Arbitration......Page 157
Part IV: How Much Will You Need?......Page 160
Too Much Is Never a Problem......Page 161
Beware Simplistic Software......Page 162
Keep It Real......Page 163
Forecasting Your Retirement Needs......Page 164
Old Assumptions Are Hazardous to Your Wealth......Page 165
A Pioneering Study......Page 166
Summary......Page 167
Early in Your Career......Page 169
Later in Your Career......Page 171
The Three-Phase Model of Retirement: Is It Valid for You?......Page 172
Gap Analysis......Page 173
Accounting for Outside Incomes in Asset Allocation......Page 174
How Are You Doing?......Page 176
Part V: Investing to Meet Your Goals......Page 178
Lesson 31: The Anti-Cramer Guide to Investment Success......Page 179
Lesson 32: Start Early......Page 180
Who Wants to Be a Millionaire?......Page 181
Get Market Rates of Return......Page 183
What Are Reasonable Expectations for Market Returns?......Page 184
Lesson 33: Cleaning Up Credit Card Debt......Page 186
Lesson 34: Costs Matter......Page 190
Lesson 35: Taxes Matter......Page 193
Risk and Reward Are Related......Page 195
Controlling Risk......Page 196
An Accumulation Example......Page 197
Risk Is Amplified with Systematic Withdrawals......Page 198
Summary......Page 199
Determine Your Risk Tolerance and Time Horizon......Page 200
Lesson 37: Concentrated Stock......Page 202
Lesson 38: The Perils of Company Stock......Page 204
Recognizing the Effect of Volatility......Page 207
Totally Skewed......Page 208
Lesson 39: Taking the Right Amount of Risk......Page 210
Lesson 40: It’s the Portfolio, Stupid!......Page 214
Market Efficiency......Page 215
Manager Effectiveness......Page 216
Asset-Class Investing......Page 217
Mutual Funds......Page 218
Exchange Traded Funds......Page 219
Annuities: Just Say No!......Page 220
A Truly Toxic Product......Page 223
The Risky Bucket......Page 225
The Low-Risk Bucket......Page 229
Lesson 44: Periodic Maintenance......Page 231
Lesson 45: Investing During Retirement......Page 233
Bucket One—Adequate Liquid Reserves......Page 237
Bucket Two—World Equity Market Basket......Page 238
Withdrawal Strategy—Preserve Volatile Assets in Down Markets......Page 239
Avoiding Advisor Risk......Page 241
Getting Objective Advice......Page 244
Personal Savings and Liabilities......Page 250
You Must Save Early, Lavishly, and with Discipline......Page 253
Keep Time on Your Side......Page 254
Social Security......Page 257
Medicare......Page 258
Sinking Is Not an Option......Page 259
A......Page 260
D......Page 261
F, G, H......Page 262
M......Page 263
P......Page 264
R......Page 265
S......Page 266
V, W, X, Y, Z......Page 267
B......Page 268
C......Page 269
D......Page 271
F......Page 272
G......Page 273
I......Page 274
J-K......Page 275
M......Page 276
O-P......Page 277
Q-R......Page 279
T......Page 282
W-X-Y-Z......Page 283