Abnormal Returns

AUGUST 10, 2022

thomaskopelman.com) How to invest in your 50's when earnings are at or near their peak. thomaskopelman.com) How to invest in your 50's when earnings are at or near their peak. ofdollarsanddata.com) 15 reasons you may regret an RV in retirement. whitecoatinvestor.com) How to use in-kind distributions for RMDs.

Distribution 237

Distribution Financial Planning Retirement Investing 237

Your Richest Life

APRIL 15, 2024

Do you have a plan in place for your retirement? For many people, the extent of their retirement planning includes signing up for the plan at work – which is often more of a starting point than a comprehensive retirement plan. Contributions to a 457(b) plan are tax-deferred, and so are the earnings on the retirement money.

Retirement Planning 52

Retirement Planning Retirement Planning Taxes 52

The Big Picture

OCTOBER 23, 2023

Barron’s ) • A Recession Is No Longer the Consensus : In WSJ survey, economists lower recession probability below 50% and say Fed is finished raising interest rates. Barron’s ) • A Recession Is No Longer the Consensus : In WSJ survey, economists lower recession probability below 50% and say Fed is finished raising interest rates.

Retirement Planning 259

Retirement Planning Budgeting Investing Investments 259

Integrity Financial Planning

NOVEMBER 20, 2023

One way of thinking about retirement is that it happens in phases. Phase 1: Pre-retirement (Approximately Ages 50-62) This is around the age when you will start to have a sense of what you have saved and what your expenses might look like. For instance, you’ll need to consider when to access social security.

Retirement 88

Retirement Budgeting Medical Distribution 88

Clever Girl Finance

DECEMBER 13, 2023

Saving money is an important task at any age, but as you hit your 40s, the need to save for retirement grows. While savers in their 40s and 50s typically have a decade or two left to save for retirement given the traditional age of 65, emphasizing saving now can set you up for a dream-worthy retirement.

Retirement 63

Retirement Accounting Taxes Insurance 63

The Big Picture

MARCH 29, 2023

From Manifest Destiny to Big Tech, Silicon Valley Bank is a case study in the how the West was spun ( Business Insider ) • ChatGPT: Keep Talking, and Nobody Explodes : There are a bunch of other things going on here, but at the core, the model determines, in order, each of the most likely words to follow another word in a fragment.

Retirement 143

Retirement Economy Budgeting Banking 143

The Big Picture

SEPTEMBER 23, 2022

My end-of-week autumnal morning reads: • Navigating the Pain of Your First Bear Market : In the coming 40-50 years I’m planning on experiencing at least 10 or more bear markets, including 5 or 6 that constitute a market crash in stocks. Roger Federer Isn’t Going Anywhere : At 41, the Swiss icon retires from professional tennis.

Startup 280

Startup Government Retirement Marketing 280

Random Roger's Retirement Planning

APRIL 9, 2024

Mutiny Funds put out a paper on the hows and whys of using alts for The Cockroach Portfolio that they manage and that we've looked at a few times. Picture retiring in 2010 versus 2020. Getting that 189% between ages 50 and 60 will be far more impactful than between 25 and 35. This has sort of been my positioning.

Management 89

Management Portfolio Retirement Planning Retirement 89

Random Roger's Retirement Planning

DECEMBER 4, 2023

That is the title of an article at Yahoo where they look at savings benchmarks for 30, 40, 50 and I am guessing one will get published for 60. Maybe it's a health issue or something bad happens at work but either way, the latest numbers are something like people plan to retire at an average age of 67 but end up retiring at 62.

Retirement 64

Retirement Asset Allocation Planning Accounting 64

Integrity Financial Planning

OCTOBER 17, 2022

Optimizing your retirement savings takes more than just making sure your IRA isn’t at risk in this market. Know these 3 ages that can help you get the most out of your retirement accounts. Take Catch-up Contributions at 50. Take Catch-up Contributions at 50. Qualify for Penalty-Free Withdrawals at 59.5.

Retirement 95

Retirement Accounting Retirement Planning Distribution 95

Abnormal Returns

AUGUST 14, 2022

gothamgal.com) How to invest in your 50's when earnings are at or near their peak. behaviouralinvestment.com) 15 reasons you may regret an RV in retirement. (awealthofcommonsense.com) The pursuit of the 'new things' eventually loses its glow. morningstar.com) Why we find it so hard to withstand a bear market.

Retirement 162

Retirement Portfolio Assets Management 162

Random Roger's Retirement Planning

JANUARY 10, 2024

Every now and then we talk about expat living as part of a retirement plan, usually the context is an underfunded retirement plan. Morningstar had an article about how well 60/40 did in 2023. Look at this table of how some diversifiers did in 2023. One popular country in expat living circles is Ecuador. Not diversifiers.

Retirement Planning 88

Retirement Planning Portfolio Retirement Planning 88

WiserAdvisor

MARCH 22, 2024

Embarking on the journey toward retirement often begins with the echoing question: How much money is enough to retire comfortably? Enter the “10X rule” for retirement savings, a popular benchmark that simplifies the daunting task of retirement planning into a more tangible goal.

Retirement 52

Retirement Retirement Planning Financial Advisor Planning 52

WiserAdvisor

DECEMBER 18, 2023

Navigating the journey to retirement can often feel like a complex puzzle, especially when it comes to figuring out how much you need to save. Retirement planning is not just about reaching a target savings number. Consider what retirement looks like for you. The choice impacts how much you need to save.

Retirement 105

Retirement Retirement Planning Risk Tolerance Healthcare 105

WiserAdvisor

MARCH 28, 2024

As you enter your 50s, the urgency of retirement savings becomes palpable. For those who find themselves behind on their retirement savings, the path ahead may seem daunting. However, despite the challenges, there are strategies to catch up on your retirement savings.

Retirement 59

Retirement Financial Advisor Medical Healthcare 59

The Big Picture

OCTOBER 28, 2022

“We work among the lowest hours, we retire early and our productivity is poor. . “We work among the lowest hours, we retire early and our productivity is poor. How Food Powers Your Body Metabolism , which unleashes the energy in what you eat, may be nature’s most electrifying invention. ( Wealth of Common Sense ).

Startup 269

Startup Food Banking Assets 269

Good Financial Cents

MAY 1, 2023

A Contributory IRA, otherwise known as a traditional IRA , is a retirement savings account that allows individuals to make contributions from their earned income. Individuals who are 50 years or older may make an additional catch-up contribution of $1,000, bringing the total contribution limit to $7,000.

Risk Tolerance 94

Risk Tolerance Taxes Retirement Retirement Planning 94

Integrity Financial Planning

NOVEMBER 14, 2023

Because taxes are calculated from January 1st to December 31st of each year, and certain retirement rules and laws reset at the same time, you may have some significant last-minute moves you can make with your money before the tax year is over. Gift Tax Exemptions Each year, you can give up to $17,000 to any number of people tax-free.

Taxes 96

Taxes Retirement Estate Planning Planning 96

Integrity Financial Planning

NOVEMBER 20, 2023

One way of thinking about retirement is that it happens in phases. Phase 1: Pre-retirement (Approximately Ages 50-62) This is around the age when you will start to have a sense of what you have saved and what your expenses might look like. For instance, you’ll need to consider when to access social security.

Retirement 52

Retirement Budgeting Medical Distribution 52

Random Roger's Retirement Planning

APRIL 16, 2024

The point is to track how my views on various things might evolve or change dramatically and to hold myself accountable for any lifestyle opinions/advice I might write about. I've mentioned in other posts that in my early to mid 50's I focused on beefing up our taxable savings in case we had some sort of problem.

Retirement 67

Retirement Planning Investment Advisor Food 67

Clever Girl Finance

FEBRUARY 2, 2024

Starting early with investing for retirement is so important to secure your future self. This means that saving for retirement should be a component of your overall financial portfolio and wealth-building strategy. So, let’s discuss how to save for retirement in your 20s! The 401(k) Plan 2. Traditional IRA 3.

Retirement 81

Retirement Risk Tolerance Taxes Accounting 81

Walkner Condon Financial Advisors

APRIL 26, 2024

The good news is that as an engaged or recently married couple, you and your partner are in a perfect place to talk about how to handle your money as you begin your life together. Discuss what accounts the two of you already have and how they are funded. Goals, on the other hand, are focused on the bigger picture.

Accounting 52

Accounting Retirement Financial Advisor Budgeting 52

Talon Wealth

SEPTEMBER 14, 2023

Retirement planning can be a difficult and confusing process for couples. How can you best maximize your savings for the years ahead? By focusing on a few key areas, setting financial goals, and doing your research, you can find ways to enjoy retirement together. What kind of retirement income are both partners hoping for?

Retirement Planning 98

Retirement Planning Retirement Planning Healthcare 98

The Chicago Financial Planner

DECEMBER 5, 2021

For those of you who are self-employed it is important that you save for your own retirement. For 2021 the maximum contribution limits are $58,000 and $64,500 for those who will be 50 or over in 2021. For 2021 the maximum contribution limits are $58,000 and $64,500 for those who will be 50 or over in 2021.

Retirement Planning 202

Retirement Planning Retirement Financial Planner Accounting 202

Integrity Financial Planning

JULY 17, 2023

How you handle taxes and when you are taxed are two of the most important factors when it comes to retirement planning. 2] If you are likely to be in a higher tax bracket when you retire, a Roth IRA can be a good way to minimize your taxes in retirement.

Retirement 97

Retirement Taxes Retirement Planning Financial Advisor 97

Random Roger's Retirement Planning

FEBRUARY 15, 2024

Barron's posted an article that by the title was about expenses to consider if you retire early but the article was pretty thin. A couple of stats from the article included that 46% of American retire sooner than they expected with the two most common reasons being laid off or health issues with themselves or their partner.

Retirement 69

Retirement Portfolio Accounting Insurance 69

Random Roger's Retirement Planning

APRIL 2, 2024

Northwestern Mutual published a report about the state of retirement and of course all the numbers are grim. million to retire, up about 50% from 2020, while the average retirement account balance is $88,000. Do you even have an opinion about how much you need? You can read about at Yahoo and Bloomberg.

Retirement 71

Retirement Taxes Numbers Accounting 71

Clever Girl Finance

APRIL 15, 2023

Regardless of how much or little that is. However, following the 10% rule and saving just 10% might not be enough for the long term, especially given the high cost of retirement in some states. For instance, towards your emergency fund, saving for retirement, or investing. Not being able to save as much as you’d like is common.

Budgeting 76

Budgeting Retirement Accounting Taxes 76

Random Roger's Retirement Planning

AUGUST 2, 2023

More Generation X retirement doom today from both Bloomberg and Yahoo. million for retirement which is up from $1.7 million for retirement which is up from $1.7 To the idea of a goal for retirement savings, I've never had one. How much are you getting? million last year. million last year. Working backwards, $1.8

Retirement 66

Retirement Numbers Budgeting Taxes 66

Random Roger's Retirement Planning

AUGUST 11, 2022

Peter Lazaroff posted Investing in Your 50's which focused on both portfolio and lifestyle considerations as people in that age group are looking around one corner or two toward their retirement. How old are you now? Simply being in your 50's is not a call to derisk your portfolio in my opinion.

Retirement 67

Retirement Planning Retirement Planning Portfolio 67

Nationwide Financial

AUGUST 2, 2022

Key Takeaways: The 4% rule is a general retirement guideline suggesting that retirees can safely withdraw funds equal to 4 percent of their savings during the first year of retirement and then adjust for inflation each subsequent year for 30+ years. We’ve all heard of it. But where did it come from? But, rules were meant to be broken.

Retirement 98

Retirement Portfolio Assets Accounting 98

Random Roger's Retirement Planning

APRIL 10, 2024

Allison Schrager wrote an article for Bloomberg last week that Wall Just Doesn't Get It On Retirement. I shared on Facebook noting that Schrager suggested better and cheaper annuity products and that given how undersaved we collectively are, it may come to more annuity products. Once they hit 80, they cannot sell it.

Portfolio 69

Portfolio Asset Allocation Retirement Taxes 69

Clever Girl Finance

JANUARY 22, 2023

Whether you're asking "How much should you have saved by 25?" or "How much should you have saved by 40?" Knowing where you stand can make sure you are on target for your retirement goals, as well. For example, you may know that you want to retire to a low-cost-of-living area. So, what are the average savings by age?

Retirement 84

Retirement Accounting Assets Budgeting 84

MainStreet Financial Planning

JUNE 29, 2023

Your Full Retirement Age (FRA) is when you are eligible to receive unreduced benefits and is based on the year in which you were born – it has gradually increased over time as people are living longer. This chart can help inform how much lower your benefits maybe if you decide to take them early.

Retirement 79

Retirement Financial Planning Taxes Planning 79

Integrity Financial Planning

JANUARY 23, 2023

For most, Social Security provides a solid foundation for retirement income. 1] However, not everyone knows exactly how or when to start tapping into this resource. Let’s discuss how you can maximize your benefits and give yourself the best possible chance to live out the retirement of your dreams.

Retirement 89

Retirement Math Retirement Planning Financial Planning 89

Random Roger's Retirement Planning

JANUARY 8, 2024

The Wall Street Journal ran an article titled Here's What It's Like To Retire On Almost Nothing But Social Security. He said " he was unprepared for sudden retirement, financially or otherwise." Being unprepared in his context doesn't have to just be about retirement account balances. Think about that.

Retirement 58

Retirement Numbers Accounting Taxes 58

The Big Picture

DECEMBER 5, 2023

But if I had a plan as to how to do that when I went to college, it was learn as much as I could, as fast as I could and get a ba and then become an accountant and a lawyer. Then I think you’re gonna find this to be a fascinating conversation. 00:01:24 [Michael Fisch] Thank you Barry. 00:01:24 [Michael Fisch] Thank you Barry.

Investing 173

Investing Investments Management Numbers 173