The New Retirement Income Portfolio

Author : G P Williams
Publisher :
ISBN 13 : 9780997493108
Total Pages : pages
Book Rating : 4.00/5 ( download)

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Download or read book The New Retirement Income Portfolio written by G P Williams and published by . This book was released on 2016-05-17 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are planning to retire in the next few years, you're one of the millions of baby boomers who will likely enter retirement without a pension. Your quality of life in retirement will be determined by what you have saved and invested. You're part of the largest wave of retirement in modern history, and, you're on your own. Unlike past generations, no corporation or government will be there to fix your problems should you enter retirement unprepared. The New Retirement Income Portfolio is written specifically to address the questions that come with being financially "on your own" for the last third of your life. Can you afford to retire? How will you know? Will your money last or will you outlive your money? How should you allocate your money to ensure your comfort and dignity in retirement? The New Retirement Income Portfolio will answer these questions in a step by step manner by building a straightforward framework for understanding the problem of self-funded retirement and developing effective solutions. It's a manual for the rest of your financial life. Graham Williams, MBA, CFP(R) draws on over 20 years of experience designing personal retirement fi nancial plans for self-funded retirees. By focusing on fundamental concepts and example retirement cases, Graham will guide you through the decision making process. In the New Retirement Income Portfolio you'll learn: - The 5 factors that can cause your self-funded retirement plan to fail - How to assess your readiness to meet these challenges - How to design both a retirement portfolio and cash flow plan that will withstand the stresses of turbulent financial markets, low interest rates and inflation - How your VALUES determine your portfolio - and not some vague "risk assessment" questionnaire Graham's commitment to your education means that all the technical stuff you've been avoiding is made clear. Through stories, analogies and examples you'll learn about concepts like secular bear markets, inflation, portfolio volatility and the technicalities of annuities. You'll finally understand these concepts well enough to put the whole picture together. After reading this book, you will know what you should own in your portfolio, how much you can expect to receive in income during retirement and how to avoid the wrong ideas, inappropriate risks and falsehoods that often pass for "conventional wisdom" in the financial industry.

Author : Carrie Schwab-Pomerantz
Publisher : Crown Currency
ISBN 13 : 0804137374
Total Pages : 434 pages
Book Rating : 4.79/5 ( download)

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Download or read book The Charles Schwab Guide to Finances After Fifty written by Carrie Schwab-Pomerantz and published by Crown Currency. This book was released on 2014-04-01 with total page 434 pages. Available in PDF, EPUB and Kindle. Book excerpt: Here at last are the hard-to-find answers to the dizzying array of financial questions plaguing those who are age fifty and older. The financial world is more complex than ever, and people are struggling to make sense of it all. If you’re like most people moving into the phase of life where protecting—as well as growing-- assets is paramount, you’re faced with a number of financial puzzles. Maybe you’re struggling to get your kids through college without drawing down your life’s savings. Perhaps you sense your nest egg is at risk and want to move into safer investments. Maybe you’re contemplating downsizing to a smaller home, but aren’t sure of the financial implications. Possibly, medical expenses have become a bigger drain than you expected and you need help assessing options. Perhaps you’ll shortly be eligible for social security but want to optimize when and how to take it. Whatever your specific financial issue, one thing is certain—your range of choices is vast. As the financial world becomes increasingly complex, what you need is deeply researched advice from professionals whose credentials are impeccable and who prize clarity and straightforwardness over financial mumbo-jumbo. Carrie Schwab-Pomerantz and the Schwab team have been helping clients tackle their toughest money issues for decades. Through Carrie’s popular “Ask Carrie” columns, her leadership of the Charles Schwab Foundation, and her work across party lines through two White House administrations and with the President’s Advisory Council on Financial Capability, she has become one of America’s most trusted sources for financial advice. Here, Carrie will not only answer all the questions that keep you up at night, she’ll provide answers to many questions you haven’t considered but should.

Author : Michael J. Zwecher
Publisher : John Wiley & Sons
ISBN 13 : 0470556811
Total Pages : 304 pages
Book Rating : 4.18/5 ( download)

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Download or read book Retirement Portfolios written by Michael J. Zwecher and published by John Wiley & Sons. This book was released on 2010-01-26 with total page 304 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retirement portfolio guidance for finance professionals Retirement is one of the most important parts of the financial planning process. Yet only two percent of financial advisors describe themselves as competent in retirement planning. Constructing a retirement portfolio is viewed as a difficult endeavor, and the demands facing financial advisors responsible for this task continue to grow. The pressures are particularly intense due to events such as the financial crisis and oncoming rush of retiring baby boomers. It is imperative that financial advisors be equipped and ready to create appropriate retirement portfolios. That's why Michael Zwecher-a leading expert on retirement income-has created Retirement Portfolios. Examines how portfolios should be prepped in advance so that the transition from "working" portfolio to retirement portfolio is smooth and seamless Outlines how to create a portfolio that will provide income, continue to generate growth, and protect assets from disaster Details the differences in managing a retirement portfolio versus managing portfolios during asset accumulation years The ability to create retirement portfolios and manage their risks are skills you must possess to be an effective financial advisor. Retirement Portfolios will help you develop these essential skills and gain a better understanding of the entire process.

Author : Bruce C Miller Cfp
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781501072130
Total Pages : 0 pages
Book Rating : 4.37/5 ( download)

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Download or read book Retirement Investing for Income Only written by Bruce C Miller Cfp and published by Createspace Independent Publishing Platform. This book was released on 2014-09-30 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Author : Graham P Williams
Publisher :
ISBN 13 : 9780997493115
Total Pages : 208 pages
Book Rating : 4.19/5 ( download)

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Download or read book The New Retirement Income Portfolio written by Graham P Williams and published by . This book was released on 2016-05-18 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you are planning to retire in the next few years, you're one of the millions of baby boomers who will likely enter retirement without a pension. Your quality of life in retirement will be determined by what you have saved and invested. You're part of the largest wave of retirement in modern history, and, you're on your own. Unlike past generations, no corporation or government will be there to fix your problems should you enter retirement unprepared. The New Retirement Income Portfolio is written specifically to address the questions that come with being financially "on your own" for the last third of your life. Can you afford to retire? How will you know? Will your money last or will you outlive your money? How should you allocate your money to ensure your comfort and dignity in retirement? The New Retirement Income Portfolio will answer these questions in a step by step manner by building a straightforward framework for understanding the problem of self-funded retirement and developing effective solutions. It's a manual for the rest of your financial life. Graham Williams, MBA, CFP(R) draws on over 20 years of experience designing personal retirement fi nancial plans for self-funded retirees. By focusing on fundamental concepts and example retirement cases, Graham will guide you through the decision making process. In the New Retirement Income Portfolio you'll learn: - The 5 factors that can cause your self-funded retirement plan to fail - How to assess your readiness to meet these challenges - How to design both a retirement portfolio and cash flow plan that will withstand the stresses of turbulent financial markets, low interest rates and inflation - How your VALUES determine your portfolio - and not some vague "risk assessment" questionnaire Graham's commitment to your education means that all the technical stuff you've been avoiding is made clear. Through stories, analogies and examples you'll learn about concepts like secular bear markets, inflation, portfolio volatility and the technicalities of annuities. You'll finally understand these concepts well enough to put the whole picture together. After reading this book, you will know what you should own in your portfolio, how much you can expect to receive in income during retirement and how to avoid the wrong ideas, inappropriate risks and falsehoods that often pass for "conventional wisdom" in the financial industry.

Author : Michael J Zwecher
Publisher : Wiley + ORM
ISBN 13 : 0470585625
Total Pages : 246 pages
Book Rating : 4.27/5 ( download)

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Download or read book Retirement Portfolios written by Michael J Zwecher and published by Wiley + ORM. This book was released on 2010-01-21 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: A “very practical” guide for finance professionals on creating and managing retirement portfolios (Journal of Pensions, Economics and Finance). Retirement is one of the most important parts of the financial planning process, yet only two percent of financial advisors describe themselves as competent at it. But the demand is only growing as baby boomers move toward this new phase of life. It is imperative that financial advisors be equipped and ready. That's why Michael Zwecher—a leading expert on retirement income—has created Retirement Portfolios, which: Examines how portfolios should be prepped in advance so that the transition from “working” portfolio to retirement portfolio is smooth and seamless Outlines how to create a portfolio that will provide income, continue to generate growth, and protect assets from disaster Details the differences in managing a retirement portfolio versus managing portfolios during asset accumulation years The ability to create appropriate retirement portfolios and manage their risks are skills you must possess to be an effective financial advisor. Retirement Portfolios will help you develop these essential skills and gain a better understanding of the entire process.

Author : Patrick J. Collins
Publisher : CFA Institute Research Foundation
ISBN 13 : 193466796X
Total Pages : 106 pages
Book Rating : 4.65/5 ( download)

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Download or read book Longevity Risk and Retirement Income Planning written by Patrick J. Collins and published by CFA Institute Research Foundation. This book was released on 2015-12-28 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: The past 50 years have seen an abundance of research on retirement planning and longevity risk. Reviewed here is the academic side of the research and its varied viewpoints and nuances. The evolution of retirement risk models, retirement portfolio problems and solutions, and annuities are some of the many topics covered.

Author : Lionel Martellini
Publisher : Cambridge University Press
ISBN 13 : 1108912141
Total Pages : 158 pages
Book Rating : 4.43/5 ( download)

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Download or read book Advances in Retirement Investing written by Lionel Martellini and published by Cambridge University Press. This book was released on 2020-09-10 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: To supplement replacement income provided by Social Security and employersponsored pension plans, individuals need to rely on their own saving and investment choices during accumulation. Once retired, they must also decide at which rate to spend their savings, with the usual dilemma between present and future consumption in mind. This Element explains how financial engineering and risk management techniques can help them in these complex decisions. First, it introduces 'retirement bonds', or retirement bond replicating portfolios, that provide stable and predictable replacement income during the decumulation period. Second, it describes investment strategies that combine the retirement bond with an efficient performanceseeking portfolio so as to reduce uncertainty over the future amount of income while offering upside potential. Finally, strategies using risk insurance techniques are proposed to secure minimum levels of replacement income while giving the possibility of reaching higher levels of income.

Author : Bambi Holzer
Publisher : John Wiley & Sons
ISBN 13 : 9780471358480
Total Pages : 246 pages
Book Rating : 4.87/5 ( download)

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Download or read book Retire Rich written by Bambi Holzer and published by John Wiley & Sons. This book was released on 1999-09-28 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: Die Altersvorsorge betrifft einen sehr wichtigen privaten Finanzbereich. Hierzu gibt es eine Flut von verwirrenden Fragen, wie z.B.: Wie plane ich? Wieviel spare ich? Welche Anlagemöglichkeiten sind die besten? Wie nutze ich Unternehmensleistungen? In diesem Leitfaden finden Sie die Antworten. Er wurde speziell für Leute im Alter zwischen 30 und 40 konzipiert, die aus einer großen Auswahl von Möglichkeiten zur Altersvorsorge schöpfen können und vielleicht sogar schon mit der Planung begonnen haben. Sie werden mit den verschiedenen Möglichkeiten und auch mit speziellen Aspekten gegenwärtiger und künftiger Finanzplanung vertraut gemacht. Verständlich geschrieben, überschaubar und klar strukturiert, liefert Ihnen dieses Buch alle Informationen zu einem brandheißen Finanzthema. (10/99)

Author : Moshe A. Milevsky
Publisher : John Wiley & Sons
ISBN 13 : 1119025257
Total Pages : 256 pages
Book Rating : 4.52/5 ( download)

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Download or read book Pensionize Your Nest Egg written by Moshe A. Milevsky and published by John Wiley & Sons. This book was released on 2015-04-20 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Guarantee your retirement income with a DIY pension Pensionize Your Nest Egg describes how adding the new approach of "product allocation" to the tried-and-true asset allocation approach can help protect you from the risk of outliving your savings, while maximizing your income in retirement. This book demonstrates that it isn't the investor with the most money who necessarily has the best retirement income plan. Instead, it's the investor who owns the right type of investment and insurance products, and uses product allocation to allocate the right amounts, at the right time, to each product category. This revised second edition is expanded to include investors throughout the English-speaking world and updated to reflect current economic realities. Readers will learn how to distinguish between the various types of retirement income products available today, including life annuities and variable annuities with living income benefits, and how to evaluate the features that are most important to meet their personal retirement goals. Evaluate the impacts of longevity, inflation, and sequence of returns risk on your retirement income portfolio Make sense of the bewildering array of today's retirement income products Measure and maximize your Retirement Sustainability Quotient Learn how your product allocation choices can help maximize current income or financial legacy — and how to select the approach that's right for you Walk through detailed case studies to explore how to pensionize your nest egg using the new product allocation approach Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a step-by-step plan to create a guaranteed retirement income for life.