By Robert C. Carlson
ISBN-10: 0471683469
ISBN-13: 9780471683469
Confirmed, ecocnomic, and targeted options for reaching a financially safe retirementIn this step by step monetary software for retirement, nationally famous retirement professional Bob Carlson explains why humans will desire extra money than they suspect in the course of their upcoming retirement, then exhibits them the right way to use leading edge and punctiliously researched concepts in addition to all in their resources to make sure monetary safety all through their retirement years. In an international during which a protracted, cozy retirement has develop into more challenging to accomplish than ever, with employees doubtful of who they could belief, the recent principles of Retirement is either useful and reassuring.
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Extra info for The New Rules of Retirement: Strategies for a Secure Future
Example text
Recent surveys show that after the bear market of 2000 through 2002, people are postponing retirement. More people are basing their retirement dates not on their ages but on the size of their portfolios. It is difficult to make retirement plans, even something as simple as setting a 24 How Much Will You Need? 25 retirement date, without estimating the cost of retirement and how long financial assets are likely to last. Unfortunately, this is an area in which retirees and pre-retirees receive poor advice or, quite often, no advice.
What Might Go Right The worst consequences of the Age Wave simply might not occur, despite the amount of research and thought that has gone into the forecasts. Other factors could intervene to alter the effects of the Wave. Here are some possibilities: The Wave Is Coming 13 ■ ■ ■ ■ ■ ■ Technology could continue to improve productivity, allowing the economy to grow at a healthy rate despite an older population. Productivity grew at an unprecedented rate through the 1990s and even through and after the early 2000s recession, despite many forecasts that the productivity increases could last only a few years.
That would reduce economic growth. The Boomers also might rush to sell their homes, hoping to salvage whatever value they can before the slide accelerates. S. debt market. Major changes would be forced on the debt markets if demand for mortgages declines and people start prepaying mortgages in anticipation of housing price declines. Mortgage interest rates could drop dramatically. That would be good for those who want to borrow. But for older Americans who might use safe, interest-paying investments for their income, lower interest rates could be a disaster.