Sentences with phrase «long as a retiree»

Nationally, 9 out of 10 teachers participate in a «defined benefit» pension plan, which guarantees a set monthly payment as long as a retiree lives.

Life annuities are ways to hedge longevity risk because they provide guaranteed monthly income for as long as the retiree lives.

These goals must meet two criteria: 1) The money must last as long as the retiree does, and 2) provide income that keeps up with inflation.

Sibears found that as long as retirees started with a reasonable withdrawal rate (say, an initial draw of 3 % to 4 % subsequently adjusted for inflation) and maintained even a minimal exposure to stocks (at least 20 %), the chances were 90 % or higher that their savings would last at least 30 years.

Generally, pension benefits are payable as long as the retiree or retiree's spouse is alive.

Not exact matches

Those three words once associated with the rules of retirement investing no longer hold true, as many retirees have been forced to assume more risk than they would like.

Everyone from retirees to insurance companies are looking at the FAANGs as long - term investments.

Still, many wealthier retirees opt to buy long - term care coverage as a way of preserving more assets for their future heirs.

While U.S. savings bonds have lost popularity as a means of long - term savings due to the low interest rates they currently earn, some retirees have been holding on to bonds that were issued when rates were higher.

I hope the workers start fighting back soon, I do like what the retirees have started, and I hope it grows exponentially, as I know for sure the retirees can no longer be just some notion classed and written off as legacy costs.

This is when many retirees take advantage of their relative youth and newfound free time to pursue long - deferred dreams, such as traveling and taking up new hobbies.

For example, retirees or vacationers with summer homes, cabins or short - term rental units in parts of B.C.'s Okanagan Valley or Vancouver Island are still implicitly portrayed by these policies as speculators, despite intentions of long - term ownership (rather than speculative activity such as pre-construction flipping) and despite their contribution to B.C.'s economy in many ways.

Yet as long as rates remain low, nontraditional stock investors like retirees — and, yes, central bankers — will keep piling in.

It would mean a lower standard of living for future retirees, reduce the ability to recruit individuals who see public service as a career and create a mercenary mentality where the commitment to public service no longer exists.

Use of One - Time Financial Settlements: The State's $ 702 million in one - time financial settlements are best used to enhance reserves or provide long - term benefits such as pay - as - you - go capital investments that replace borrowing, paying down debt, or making payments to the retiree benefits trust.

The Fiscal Policy Institute has long proposed a circuit breaker as a solution to the burden of high property taxes on moderate and lower income families and to ensure that retirees are not forced out of their homes.

Erie County's long - term costs for retiree health insurance coverage are apparently dropping as unions agree that retirees will pick up part of the costs.

«So long as districts continue to ignore the crushing reality of the looming financial crisis at the hands of unfunded retiree liabilities, and so long as the Legislature fails to fundamentally overhaul the authorizing structure in California, we anticipate that powerful special interests will continue to use charter public schools as a red herring to avoid the hard decisions that lie ahead,» continued Marquez.

However, there are a few strategies retirees can use to maximize their tax savings and stay in a lower tax bracket for as long as possible.

As long as the employer is operating, it is legally obligated to make up for any shortfalls needed to pay retireeAs long as the employer is operating, it is legally obligated to make up for any shortfalls needed to pay retireeas the employer is operating, it is legally obligated to make up for any shortfalls needed to pay retirees.

But with the yield on long low - investment grade bonds hovering above 5 %, I can tell you with certainty as a life actuary that the life companies are not providing a 7 % return to retirees — it is far, far less, more like 4 %, or maybe less.

So long as you have enough money to cover your basic needs, most retirees find that having more money has little effect on happiness.

Upping the stock portion to 75 % allowed retirees to raise their withdrawal rate even further, so long as they could accept the additional risk.

Reverse mortgages do not require monthly payments and do not become due until the last borrower no longer occupies the home as their primary residence or fails to meet the loan obligations.5 Retirees may be able to improve their monthly cash flow and live a more comfortable lifestyle, by using a reverse mortgage to pay off their home or simply access their home equity to supplement their retirement income.

Retirees have long regarded indexed annuities (also known as equity index, fixed index or fixed indexed annuities) as a risk management financial strategy.

But the bigger question for you as well as other retirees living off their nest egg is just how large a stock stake you really need to ensure a high probability that your savings will last as long as you do.

They stand as conservative, dependable option that can give retirees confidence as they leave jobs and careers that have long provided regular incomes.

These decisions are especially risky for retirees, whose greatest investment risk entails holding too much of their portfolio in assets that won't produce an acceptable long - term return, such as low - returning bonds.

As expected, Vanguard finds the longer the retiree's anticipated time horizon, the lower the initial spending rate.

As the average life span increases, many retirees will need long - term care in their lifetimes.

As you probably know, there are no longer income limits for future retirees hoping to convert traditional IRAs to Roth IRAs.

Since the APY paid on a CD goes up as its term gets longer, a CD ladder gives this retiree the benefit of both higher interest rates and regular access to cash.

Because you don't have to repay it as long as you remain in your home, a reverse mortgage can be a useful financial tool for retirees on a limited or fixed income.

What is more, retirees and other investors are likely to stick with their investments as long as dividends remain stable or grow.

Indeed, more than half of the 80 - and - older retirees polled for this survey said that prior to retiring they didn't expect to live as long as they already have.

As retirees are living longer than ever before many are beginning to consider the risk of outliving their retirement savings.

As retirement needs expand, and as people live longer lives in the U.S., many retirees are simply unprepared for the financial expenses that lie ahead, even if they have diligently saveAs retirement needs expand, and as people live longer lives in the U.S., many retirees are simply unprepared for the financial expenses that lie ahead, even if they have diligently saveas people live longer lives in the U.S., many retirees are simply unprepared for the financial expenses that lie ahead, even if they have diligently saved.

Conceptually, if a corporation can support a long term return of 10 % (nominal), it carries less risk to a retiree if the return is strictly from dividends alone than an alternative that requires capital appreciation as well as dividend income to deliver the same return.

Saving for Retirement - Research on this topic focuses on the attitudes and behavior of American workers and retirees towards all aspects of saving, retirement planning, and long - term financial security as well as on the savings levels needed to reach retirement income goals.

And in all but the most favorable valuation environments, retirees should consider more defensive bond allocations — i.e., bills as opposed to longer - term bonds — as even with valuation - based adjustments, stock / bond portfolios underperformed stock / bills portfolios from unfavorable and moderate starting valuations.

She says that potential retirees should retire during an economic downturn, as long as they have saved enough to be comfortable.

A recent study by Morningstar head of retirement research David Blanchett shows that retirees can still get most of the benefit of an annuity as long as they buy within the first 10 years of retirement.

As long as you meet certain age requirements and you can show a certain income each month, then you will be able to qualify as a permanent retiree in the countrAs long as you meet certain age requirements and you can show a certain income each month, then you will be able to qualify as a permanent retiree in the countras you meet certain age requirements and you can show a certain income each month, then you will be able to qualify as a permanent retiree in the countras a permanent retiree in the country.

The Qualified Retired Persons program allows retirees to stay in Belize as permanent tourists, for as long as they want.

Fritidsresor says it is not just eager eco-travel buffs snapping up the train charter trips, but also a heretofore untapped group of travelers afraid to fly, as well as recent retirees who are nostalgic for the longer train trips of their childhood.

As long as plans to destroy the village are in the works, houses here are virtually worthless, trapping many retireeAs long as plans to destroy the village are in the works, houses here are virtually worthless, trapping many retireeas plans to destroy the village are in the works, houses here are virtually worthless, trapping many retirees.

Other firms will grandfather certain retirees and partners into the discontinued unfunded plan, which could ultimately become a substantial liability as people live longer into retirement, says former WolfBlock senior litigator H. Robert Fiebach, now a senior commercial litigator at Cozen O'Connor in Philadelphia.

International health insurance, also known as expatriate health insurance, provides long term medical coverage for individuals and families that spend most of their time outside the U.S., such as expatriates, retirees, global employees or local nationals.

Forethought Life Insurance Company quickly expanded its product offerings, and in 2006, the company brought on board fixed annuities — which allowed it to offer consumers with the ability to both save for retirement, as well as to receive a guaranteed lifetime income — something that retirees have top - of - mind, as so many people are living longer lives today.

Retirement Annuities — Today, as people are living much longer life spans, one of the key worries on the minds of retirees and pre-retirees is that of outliving their money.