There’s been lots of speculation that Baby Boomers – the wealthiest generation in American history, not to mention one of the largest – have the potential to seriously impact equity returns as they use up their savings during their retirement years. A newly released Vanguard research paper offers a number of reasons why investors have…
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Conventional wisdom has it that young investors should allocate a large portion of their savings to stocks – a high return, high risk asset class – when they first start investing their savings, and then slowly reduce their stock allocation as they approach and then surpass retirement age. By the time they reach their eighties,…
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I received a call last year from a woman who’d sounded desperate. “I was just offered an early-retirement package from my company,” she’d said, the words rushed from anxiety, “and I’ve got two weeks to make a decision. Can you help me?” I had groaned inwardly, imagining the late nights ahead struggling to collect the…
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Today, many Americans rely on savings in 401(k)-type accounts to supplement Social Security in retirement. This is a pronounced shift from a few decades ago, when many retirees could count on predictable, constant streams of income from traditional pensions. The question is: has this shift improved the average American’s retirement prospects? According to the Economic…
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I’ve written numerous articles over the years about strategies for maximizing your Social Security (SS) benefits. But the most fundamental decision all retirees face is when to start taking payments. If you need the money, you may have no choice but to start taking payments as soon as you can. But if that’s not the…
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I’ve written many times about various things you can do in order to maximize the chances that your post-retirement life turns out to be everything you’ve hoped it could be. What is the number one thing you need to do? In a word, save! And I mean save early, save often, and save as much…
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