Cliffs notes planning your retirement by G. Michael Perry, Howard L. Sorkin

By G. Michael Perry, Howard L. Sorkin

Your shortcut to good fortune™ for over forty years CliffsNotes. They helped you get via university. Now allow them to assist you get via existence. With this trusty advisor, you will get up to the mark speedy on find out how to commence saving for these golden years.Check out our different CliffsNotes titles See the interior again pages for an inventory of CliffsNotes on pcs, software program, the net, own Finance, and Careers — and search for CliffsNotes on different subject matters coming quickly.

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The down side to that characteristic is that the plan doesn’t adjust the benefit for inflation or changes in the economy. Don’t be alarmed by changes in the rules for your company’s retirement plan. These changes occur often. If a change reduces benefits, the change generally applies to the years following the change and is not retroactive. Changes that occur in retirement plans generally have to do with the formula for calculating the amount of the benefit, taxation of distributions, limitations on the maximum amount of benefits, the 32 CliffsNotes Planning Your Retirement criteria for early retirement, benefit choices, and payout options.

_________ 2. Name the age you want retirement to begin. ________ 3. Find out what your Social Security benefit will be at the age of your retirement (see Chapter 8). ____________ 4. Find out the benefit you will receive from your employer’s retirement plan at your retirement age. ___________________________________________ 5. Calculate the income derived from other sources, includ- ing the sale of your home or business, personal investments, and savings. Include all of the following that apply: 26 CliffsNotes Planning Your Retirement IRAs _______ Keogh accounts _______ Government benefits like veteran, disability _______ Stocks, bonds, mutual funds _______ Total _______ 6.

You have to understand levels of risk and learn how to judge what kind of fund or investment is most appropriate for you to achieve your retirement goals. In the world of investing, risk and return on investment generally go together. Evaluating the amount of risk you’re willing to take with your hard-earned retirement dollars isn’t easy, but it is crucial. See Chapter 9 for more information on risk. Investments are less predictable over the short run than the long run. Regular investing every payday through your 401(k) helps to neutralize short-term fluctuations in the stock market.

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