Category - Retirement

1
How to Adjust Risk Appropriately for Retirement
2
Investment 101: Choosing and Selling Profitable Investments
3
How to Readjust Your Retirement Plan
4
How to Plan for Retirement
5
How much do you need to save this month?

How to Adjust Risk Appropriately for Retirement

The original version of this article was published November 15, 2004 under the title “Retirement Wisdom Part 4 – Adjust Risk Appropriately.” Time-sensitive numbers are relative to the original post date.

When the market is doing well it seems as though investing is strictly about the wisdom of knowing where to plant, when to water, and having the patience to wait for it to grow. But in fact in both good times and bad times, investing is really about managing your emotions. If you want to be an investor, you have to grow to understand not only the relationship between

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Investment 101: Choosing and Selling Profitable Investments

In “How to Fund Your Retirement Without Selling Off Your Investments,” The Motley Fool explains the two ways people usually make money after investing in stocks and bonds: selling once the investment is worth more (capital gains) or getting a monetary reward from the organization you invested with (dividend or interest).

This explanation points the way towards how one can retain investments and still profit from them:

“Choosing investments that will produce lots of income for you is an important part of retirement planning.”

When you have an investment that offers dividends or interest, you profit without selling. …

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How to Readjust Your Retirement Plan

It is important to know how much you should be saving. Every year you delay adequately funding your retirement cuts in half your retirement standard of living.

Imagine Fred and Wilma, now in their forties, with savings of $250,000 and an income of $55,000. They project that putting $1,036 a month into savings this year will meet their goal of retiring at 65. But that projection is only good for the coming year.

Projections are like blinking your eyes open as you are walking quickly. They give you a quick snapshot of where you are and what direction you …

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How to Plan for Retirement

Most families have not planned for their retirement. They may save toward their retirement, but without a plan their saving is random and haphazard. Retirement decisions today can only be made in the context of accurate math projections that span decades. Saving what you can and hoping for the best is an expensive and dangerous approach.

Every seven years you delay can cut your retirement assets in half. That means that if you under fund your retirement for the next seven years you will have to save double what you should have saved in the following 7 years in order …

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How much do you need to save this month?

There are a few critical financial planning questions you need to be able to answer. Probably the most important is, “How much money do I need to save this month to meet my goals?” Many people don’t know the answer to this question and avoid it to the detriment of their long-term financial well-being.

Most Americans spend more time planning their vacation than their retirement. At least with a vacation, most of us pick a date and actually plan to go. Planning for retirement should be every bit as planned and anticipated as your vacation. Assuming you’ll work in your …

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