Retirement
Found 75 Articles.
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Retirement Confidence Spikes
Each year Americans are asked questions about their retirement plans in the Retirement Confidence Survey from the Employee Benefits Research Institute. They also are asked about their retirement plans and actions. The good news is that confidence in having a financial secure retirement is up, with 63% confident of having a comfortable retirement. That’s increased […]
Is the Fed Hurting Seniors?
Low interest rates hurt seniors, because they depend on earnings from their savings to fund retirement expenses. Last weekend, several pieces were published taking issue with that argument. They argued that the Fed’s low interest rate policies plus other government have helped seniors overall to the detriment of younger citizens. It started with this article […]
Running Out of Money in Retirement
About 25% of those who die at age 85 or later pass away with less than $10,000, including the value of their homes, according to a new study by the Employee Benefits Research Institute. It is consistent with work done previously by economists. The study shows that many people simply don’t understand the increase in […]
A National Retirement Policy
The U.S. has an atrocious national retirement policy. Social Security is expensive and redistributes income. It also isn’t properly funded. The private savings system works for only a few people. There are examples of good national retirement policies. This article describes Australia’s, but there also are good models in Chile and Denmark. It’s too late […]
Four Strategies for Secure Retirement Income
William Baldwin of Forbes looked for ways to generate $40,000 annually for 25 years, taking very low risk. All the strategies work, though some are harder to implement than others. Of course, the costs vary. One point to consider is that there’s no inflation protection. Another point is that the cash flow isn’t all income […]
A Case for Retiring Later
People are living longer and saving less, so the longtime retirement age of 65 isn’t practical, according to Alicia Munnell of the Center for Retirement Research at Boston College. She has a new book coming out on the subject and recently did an interview with Morningstar.com to discuss the book. Morningstar: So, is the problem […]
Not-So-Grumpy Old Men
The latest research on happiness concludes that for most people happiness is highest earliest and late in life but declines in the middle. The burdens of being middle-aged weigh on most people. The study relied on people’s self-reporting of their happiness. It also didn’t try to measure people’s happiness relative to each other and find […]
Two Schools of Retirement Income
This post does a decent job of summarizing the two schools of retirement income planning, calling them the safety first approach and probability approach. It doesn’t cover the hybrid methods or ways of adjusting the approaches to individual situations. But it’s a good overview of the approaches and should help you decide which way might […]
