Download e-book for iPad: Cliffs notes planning your retirement by G. Michael Perry, Howard L. Sorkin

By G. Michael Perry, Howard L. Sorkin

ISBN-10: 0764585428

ISBN-13: 9780764585425

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

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A formula that is tied to the employee’s salary and years of service determines the level of the employer’s contribution to the defined benefit plan. Before the Employee Retirement Income Security Act of 1974 (ERISA), most employer-sponsored plans were defined benefit plans. ERISA’s new requirements created additional administrative burdens on companies who sponsored these 30 CliffsNotes Planning Your Retirement plans, and they responded by ending many defined benefit pension plans. Defined contribution plans, which are another retirement option, are growing in popularity.

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. Diversifying your investments Investment advisors commonly recommend that you diversify your investments to spread the risk — in other words, that you don’t put all your eggs in one basket.

Here are a few tips for setting realistic retirement goals: ■ Begin saving for retirement as early as possible. For a young employee, the cost of waiting five years (from age 25 to age 30) to start investing $5,000 a year for your retirement is $408,699. That figure represents the loss of income available at retirement age due to the absence of $25,000 and its compounded interest from the retirement funds. ■ Review your retirement goals every year. ■ Be realistic in filling out your planning worksheets.

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

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