Sentences with phrase «social security assets»

Instead, he argues that investing Social Security assets in stocks would place way too much market authority in the hands of those in Washington.

Not exact matches

This professional can help you determine how much you will need to pull out of a qualified retirement plan versus spending non-qualified assets, the timing of optimizing your Social Security benefits and annuity contracts, determining an appropriate asset spending rate and the transition from an accumulation phase to a distribution phase.

For some people, it may make sense to draw on 401 (k) assets earlier and defer claiming Social Security benefits until 65 or 70 in order to get much higher benefits from the government plan.

The bonds in the Social Security trust fund aren't real assets: Instead, they are claims against future revenue.

She relies on a database of 1,000 simulations of future returns to conclude that, 75 years from now, a Social Security trust fund portfolio that includes stocks will produce a healthy ratio of assets to benefits, while a trust fund consisting of only bonds will be completely exhausted.

Under current law, the assets in the Social Security trust fund are invested in Treasury bonds, notes and bills.

Other than Social Security benefits, 401 (k) plans represent the bulk of financial assets available to people after they stop working.

«As an industry, we completely missed the boat because Social Security is the main asset for 99 percent of Americans,» said William Meyer, CEO of Social Security Solutions and co-creator of the widely used Social Security Analyzer software.

A typical couple will receive more than $ 1 million in Social Security benefits over their lifetime, according to Christopher Jones, chief investment officer at Financial Engines, a provider of financial advice and asset management.

Or you might plan to draw from other assets, with the idea that you will take smaller distributions after you start drawing Social Security, Pfau said.

The agency, created in 1946 to build houses for veterans of the Second World War, liked to describe itself as the «heart of housing» — an enormous Crown corporation that dominated the mortgage insurance market, guaranteed complex, bond - like assets called mortgage - backed securities, and subsidized the building and upkeep of First Nations and social housing.

Lost retirement assets includes two components, calculated based on the lost earnings and wage growth: savings from a traditional 401 (k) account and Social Security.

If you don't do so, delaying Social Security could leave you withdrawing from your other assets more quickly than you should, which could be a problem later in retirement.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

One of the things that appeals to me the most about this Cash Reserve method is that the amount of stock assets I have in my portfolio is determined not by some arbitrary percentage, but, instead, by how much I income I spend each month after taking Social Security benefits and pension income into account.

If leaving a financial inheritance to your children or other beneficiaries is important to you, it's going to be very hard to leave any assets to them if you're relying on Social Security alone.

We can help you assess your full picture of personal assets, workplace plans, and Social Security benefits, then show you how different scenarios may impact your long - term outlook.

Most of the stuff that this guy brings out; Old capitalism versus new capitalism, Financial intelligence and education and the importance of both, the possible pitfalls of the American social security system and medicare, Taxation system - who it favors and who it hurts the most, all the stuff about residential homes not being assets, the dollar and how it continues to decline in value and the rest all this stuff is absolutely true.

For most investors and retirees, Social Security currently constitutes their biggest asset in...

Here's another rule of thumb to consider: If you are drawing under 5 percent of your total retirement assets annually, and you haven't yet collected social security, you are likely trending toward a large surplus and should consider Roth IRA conversions to ease some Required Minimum Distribution and end - of - life tax issues.

In retirement, my salary income will be eliminated and I'll be living on pension income, Social Security, and our invested assets.

The Bush plan to privatize Social Security is basically Pinochet's and Thatcher's «pension fund capitalism» expanded to orchestrate bubbles by inflating asset prices on credit.

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth 401k - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

An income annuity may be the right choice for you if you have a need for guaranteed lifetime income; you know your retirement expenses won't be covered by other income sources, such as Social Security; and you have assets outside of the annuity to cover unexpected expenses.

- retirement savings and income - Pre-59 1/2 72t Calculations (avoiding penalty tax)- college savings and 529 plan illustrations - college cost and tuition data - Coverdell education savings - risk profile questionnaires and quizes - model portfolio illustrations - asset allocation and portfolio optimization - portfolio management and value tracking - 401 (k) retirement savings - Cost of waiting to save - Effect of Taxes and Inflation - Estate Tax Estimator - Finding Money for your savings goals - Health Savings Account (HSA) illustrations - Historical Hypothetical Portfolio Performance - Impact of Inflation - Life Insurance Needs Analysis - IRA Eligibility (all types of IRAs)- IRA Savings and Goal Analysis - IRA Required Minimum Distributions (RMDs)- IRA to Roth Conversion - Long Term Care Insurance - Lumpsum Distributions vs. Rollover Distributions - Model Portfolio Creation and Comparisons - Mortgage Amortization - Net Unrealized Appreciation of Employer Stock - Net Worth Estimator - New Value Calculator - Pension / Defined Benefit Income estimates - Portfolio Allocation Rebalancing - Portfolio Optimization and «Advice» - Portfolio Return Calculations - Paycheck Tax Savings - Required Minimum Distribution calculations - Retirement Budget and Expense Planning - Retirement Income Analyzer - Retirement Savings Estimator - Risk Tolerance Profile - Roth Conversion - Roth v. IRA illustrations - Short Term Savings goals - Social Security benefit estimates - Stretch IRA / Legacy IRA illustrations - Tax Free Yield calculations

As retirement nears, you will have several big decisions to make, including when to stop working, when to take Social Security, how to pay for health care, and how to generate cash flow from your retirement assets.

«As an advisor, I worked with some colleagues to develop a beautiful report that covered the basics of when and why one should file for Social Security retirement benefits and what you should consider doing with the balance of your retirement assets.

That's because Social Security is one of the most valuable retirement assets you have.

You want government to act as an asset manager with high risk profile with Social Security fund?

HR 2419 of the 110th Congress (the section the question asks about: To ensure that the assets of the trust funds established under section 201 of the Social Security Act (42 U.S.C. 401) are not reduced as a result of the enactment of this Act, the Secretary of the Treasury shall transfer annually from the general...

Past consulting assignments have included developing a cost estimate for transponders and transmitters used to reduce «friendly fire» incidents for the U.S. Marine Corps; conducting a cost - benefit analysis for the Social Security Administration to replace analog recorders with digital equipment in their benefits hearings; and conducting a business case analysis for NASA Headquarters of integrating asset management procedures.

The project will be supported by: (1) an experienced job placement specialist; (2) trained peer mentors to help recruit participants, maintain a social media presence and provide pre-and post-placement support; (3) internships and other work experience; (4) coordination between school and placement staff from the Florida Department of Vocational Rehabilitation for eligible students; (5) financial training to enable participants to begin building assets; and (6) work incentives information for students receiving Social Security disability bensocial media presence and provide pre-and post-placement support; (3) internships and other work experience; (4) coordination between school and placement staff from the Florida Department of Vocational Rehabilitation for eligible students; (5) financial training to enable participants to begin building assets; and (6) work incentives information for students receiving Social Security disability benSocial Security disability benefits.

This information can include your name, address, social security number, assets, income, and debt provided to us on applications, other forms, and by other means.

Limit the amount of money you need to generate from selling Assets (see Expenses, Social Security and Part Time work above).

You can also include your future retirement income from pensions and social security as assets.

Similarly, if your nest egg is large enough so that your chances of running through it in your lifetime are very low or negligible, then you also may not need any type of guaranteed income beyond Social Security, in which case you simply may not have to devote any of your assets to a longevity annuity or an immediate annuity.

So when it comes time to collect your Social Security, to start drawing down your investment assets, or taking distributions from it, you're doing it with the right tax mode.

But if you're confident that you can handle your spending needs with Social Security and draws from your retirement accounts but you want some extra assurance that you'll have sufficient income later in life — or you feel that income guaranteed to kick in in the future will give you more flexibility about your spending early 0n — then devoting a small portion of your assets to a longevity annuity is probably the better way to go.

Re-think Social Security — It's not just a government IOU, it is potentially the largest asset in your client's retirement portfolio.

And of course there's uncertainties in the Social Security, but I think there's more uncertainty in the overall stock market, bond market, and everything else in between as you invest your overall assets.

Even if you have significant assets, your Social Security benefits are likely to play a role in your retirement planning.

Here's another rule of thumb to consider: If you are drawing under 5 percent of your total retirement assets annually, and you haven't yet collected social security, you are likely trending toward a large surplus and should consider Roth IRA conversions to ease some Required Minimum Distribution and end - of - life tax issues.

Though we have difficulties at present from the housing overhang, and the unwind of financial leverage, there will be continuing difficulties over the next two decades as assets must be liquidated and taxes raised to support the promises of Medicare, and to a lesser extent, Social Security.

We provide: • Retirement Services, such as plan rollover options, ** traditional and Roth IRAs, and small business plans • Financial Management, including financial planning, asset and debt management, and estate planning • Insurance Solutions, made up of life, long - term care, and disability protection • Investments, including diversified solutions to help manage and grow assets with stocks, bonds, and mutual funds • Retirement Planning, such as income strategies, pensions, and social security

So you could say that the couple actually has $ 2 million in assets — $ 1 million in stock and bond index funds and a $ 1 million Social Security «bond.»

I'm guessing that when I retire I'll invest somewhere in the ballpark of 5 % — 20 % of my retirement assets in an annuity — enough to hopefully cover my basic monthly living expenses in retirement that Social Security and any pensions won't cover but no more than that.

If waiting eight years sounds like too long of a period to go without any supplemental income from Social Security, consider getting a reverse mortgage to lessen your financial burdens while waiting for Social Security or other assets to come to fruition.

«Whose Social Security number is attached to the asset matters,» she says.

More incentive to advise you to take Social Security before age 70 because it would mean more assets in your portfolio for longer and higher potential fees in the future.

This worksheet allows clients to take inventory of their assets, and project income versus expenses in retirement to help guide their decisions about taking Social Security income.