Sentences with phrase «shorter than retirement»

Not exact matches

With six out of 10 Americans projected to fall short of their standard of living by retirement, it's more urgent than ever that people in this generation save — and save some more.

In short, more than 80 years ago, a U.S. president said that taxpayer - paid retirement benefits should go only to those who really need them.

It's better to exceed your spending needs in retirement than to fall short.

It's better to plan for a longer retirement and have money left over to give to others than come up short.

«I would rather plan for you to live longer than to plan for a shorter time period and run out of money during retirement,» says financial advisor Ara Oghoorian, founder of ACap Asset Management.

We're a little more than two years away from retirement and, today, just like any other time, allocating our assets in ways that serve our short and long - term goals is extremely important.

Long story short — she insisted we sell everything the next day (which was also a significant down day); we eventually re-entered the market; I retired at age 53 in 1995; and today, my IRA is 3.5 times greater than at retirement (in spite of zero new $ $ $, 2 more market crashes, and 2 significant RMDs).

Jonathan, whose earnings power is that of a «Playmaker,» needs his portfolio to support his lifestyle over a retirement that could last more than 50 years, given the Playmakers» generally shorter career and lower earnings potential compared with their Blue Chip teammates.

«While we welcome the decision to end the arbitrary retirement age, raising the state pension age over this short timescale is clearly driven by a desire to cut spending rather than a planned approach to introducing more flexible retirement,» he said.

In the apres - retirement jacket department, I've held onto a couple of sleek black jackets (one shorter than the other), a fabulous St. John aqua Chanel - ish jacket (long - sleeved), another Chanel - ish Cynthia Rowley jacket (trimmed with black sequins), and a Worth New York green and black 3 / 4 - sleeved jacket.

Soderbergh and I spoke over the course of a couple days this summer — about his new movie, Logan Lucky; about his origins as a filmmaker; about his retirement that turned out not to be a retirement at all; about his love for Get Out and the films of Barry Jenkins; about, in short, way more than would fit in a single, often condensed magazine story.

On one side, it could encourage teachers who are a few years short of normal retirement age to stick it out in a job they are less than invested in, just to maximize their pension benefits.

Research indicates that 68 % of baby boomers have less than $ 250,000 saved for retirement.2 Even when adding in other means to fund retirement, most baby boomers are coming up short.

In fact, if you're heading into retirement and are short of money, you should move your investing in the opposite direction: aim for safer investments, rather than taking one last gamble.

Take on less risk than you're actually capable of handling, and your nest egg won't grow as much as it otherwise could, perhaps leaving you short in retirement.

Although true over the past 100 + years, when investing for college you are likely working with a shorter time frame than your retirement account.

The short term pain (the cost of the buy back) can translate to long term gain if the increased retirement income from the buy - back is higher than the initial cost.

But if you'd feel better going into retirement with more steady and reliable income than just what Social Security and any pension will provide — or if you'd like more assurance that you won't come up short in the future — then an immediate or longevity annuity just might be worth considering.

In short, you'll have a much better shot at a secure and comfortable retirement if you spend your time and energy creating a viable retirement income plan, rather than engaging in a vain search for investments that purport to offer an often - sought, but ultimately unattainable, combination of safety and high returns.

A sound retirement planning guide must include realistic goals, and practical decisions If you're heading into retirement and are short of money, you should still aim for safer investments, rather than taking one last gamble.

Of course, short - term returns will vary widely, and that makes an enormous difference: for example, a bear market at the beginning of your retirement is far more devastating than one that comes after 20 years.

If you shoot for a large retirement number, even if you come up short or take more time than planned, you'll likely have a much more comfortable retired life.

We both consider falling short in retirement as the main risk, rather than volatility.

In short, if you were planning on putting it in stocks before the «faux crash» and you have more than 10 years till retirement or when you'll need it, then put it in the market.

«A new car sounds like a lot more fun than retirement — and more attainable in the short term,» Schulte says.

It could be argued that if someone nest egg is too small for retirement, they should stay in equities as long as possible to try to grow it, but that would be a contentious issue, for sure, since although stocks have a higher average return than bonds and bank accounts, the risk of loss in short time periods is higher.

If you want to err on the conservative side with respect to risk, a target date that is shorter than your actual retirement may make some sense.

This is where I am building a portfolio for shorter term (less than retirement, but still long - term) investments.

«Her income is high enough that the resulting tax deduction is worthwhile and it's definitely easier to start saving a little for a long time than it will be to save a lot more for a shorter time when approaching retirement.

In short, just by lowering the amount you pay in annual investment fees by a little more than half a percentage point a year, you could end up with about 12 % more in savings come retirement time, or an extra $ 115,000 in this example.

So over the short time horizon we are talking about (7 - 10 years to retirement), you'll get much better results by learning from this Blog (working on your spending), than you will by trying to be a fancy market - beating investor.

Similarly, Ron Friedmann reflects on the predicted decline of BigLaw in a recent post and contends that one cause of managing partners» apparent selfishness may be the result of their looming retirement and thus unwillingness to plan for anything more than maintaining profit levels in the short term:

There are long - term and short - term versions of disability insurance, meaning you can receive coverage that lasts less than a year or coverage that lasts many years, including up to retirement.

Rehabilitation Counselors receive better overall benefits than other professional counselors, including employee retirement plans, medical coverage, dental, vision, and short - term and long - term disability *.

Because 529 plans have a much shorter time to grow than retirement accounts do, a severe market drop can affect how much money they have for college.

Prohibited transactions with disqualified people focus on obtaining gains for the short term rather than establishing the gains for retirement.

In regards to Self Directed IRAs, prohibited transactions usually deal with activities to produce a short term gain rather than monetary gains for retirement.

In today's market, things can often times become more complicated than in the past because of fickle buyers, short sales, foreclosures and wounded sellers who have seen their retirement accounts slide away right alongside the equity in their homes.