By Ted Benna, Brenda Watson Newmann
Get the main from your 401(k) in any economy
Filled with pattern 401(k) portfolios for each level of life
Invest your 401(k) funds properly and utilize your retirement
Want to grasp what sort of funding combine you want to make your retirement funds develop? Don't recognize what to do with a 401(k) account out of your final task? apprehensive that your company's 401(k) plan doesn't lower it? chill out! this straightforward, plain-English consultant indicates you the way to regulate your debts, reduce your hazards, and maximize your returns.
The Dummies Way
* reasons in undeniable English
* "Get in, get out" information
* Icons and different navigational aids
* Tear-out cheat sheet
* best ten lists
* a touch of humor and enjoyable
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Extra resources for 401(k)s For Dummies
You can find out more about Medicare plans by contacting your state health insurance program listed in the booklet Medicare and You, which can be obtained by calling (800) 633-4227. If you spend a little time each day investigating what is important to you, sharing your concerns with others (especially with a financial advisor) may help you with your choices. In the Greenwald Associates study cited earlier (see page 28), 200 preretirees were asked about when they undertook certain planning activities.
78). They add that for an investor, such as a retiree, “With ongoing income or cash flow needs, this is a critical oversight” (p. 80). I can demonstrate how an average can destroy the perspective of an investor when looking at returns of mutual funds or money managers. Let’s take some simple numbers to arrive at an average return of 15 percent consisting of five actual noncompounded returns over a five-year period. It could look like this: Portfolio A Year Investment returns 1 8 percent 2 14 percent 3 30 percent 4 28 percent 5 Ϫ5 percent Average return: 75 percent Ϭ 5 years ϭ 15 percent Suppose an advisor says that because Portfolio A has produced an average of 15 percent and because you need to make only 10 percent per year to create the income that will support your lifestyle, it can be concluded that this investment should work.
40). True enough, many retirees are not financially prepared to have enough money to last thirty years, let alone forty. And the longer one lives, the more risks one faces. The largest risk is inflation, then poor health, then poor investments, and ad infinitum. 1, we find that as the average person ages chances increase that he will live even longer than his original life expectancy; so those who have long life expectancies and want to maintain their standard of living need to accumulate more money.
401(k)s For Dummies by Ted Benna, Brenda Watson Newmann