The Real Retirement

Author : Fred Vettese,Bill Morneau
Publisher : John Wiley & Sons
Page : 294 pages
File Size : 41,7 Mb
Release : 2012-12-18
Category : Business & Economics
ISBN : 9781118498644

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The Real Retirement by Fred Vettese,Bill Morneau Pdf

Straight Talk and solid retirement advice for all Canadians In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings. Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

Author : Frederick Vettese
Publisher : John Wiley & Sons
Page : 293 pages
File Size : 41,5 Mb
Release : 2015-12-02
Category : Business & Economics
ISBN : 9781119111122

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The Essential Retirement Guide by Frederick Vettese Pdf

Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

Author : Frederick Vettese
Publisher : John Wiley & Sons
Page : 293 pages
File Size : 50,7 Mb
Release : 2015-11-12
Category : Business & Economics
ISBN : 9781119111139

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The Essential Retirement Guide by Frederick Vettese Pdf

Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that: Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons. In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.

Author : Calum Ross
Publisher : Dundurn
Page : 224 pages
File Size : 51,8 Mb
Release : 2017-02-25
Category : Business & Economics
ISBN : 9781459738430

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The Real Estate Retirement Plan by Calum Ross Pdf

A Globe and Mail Bestseller! A guide for Canadians on how to use real estate as an investment and retirement solution. Leveraging equity in a principal residence and using it wisely to purchase rental property is the solution to a safe, secure retirement for millions of Canadians. Many Canadians who own their home have never considered buying a second property. And nearly one-third of retirees are worried about running out of money. The Real Estate Retirement Plan shows how homeowners can use the tools already available to them — their mortgages — to access the initial capital to invest and prepare for their retirement. This is a proven, validated antidote to today’s historically low savings rates, poor current rates of return, and pressure on CPP and health care. With examples and a detailed discussion of the principles and mechanics, Calum Ross and Simon Giannini demystify real-estate investing and make an irrefutable case for borrowing to invest.

Author : Fred Vettese,Bill Morneau
Publisher : John Wiley & Sons
Page : 294 pages
File Size : 41,5 Mb
Release : 2012-11-29
Category : Business & Economics
ISBN : 9781118498682

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The Real Retirement by Fred Vettese,Bill Morneau Pdf

Straight Talk and solid retirement advice for all Canadians In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings. Offers practical advice for dealing with the changes to Canada's retirement system Includes advice for calculating your Neutral Retirement Income Target Contains solid financial advice in accessible language Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.

Author : Anonim
Publisher : Unknown
Page : 371 pages
File Size : 47,6 Mb
Release : 1981
Category : Age and employment
ISBN : UOM:39015008715628

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Abolishing Mandatory Retirement by Anonim Pdf

Author : Fred Brock
Publisher : Macmillan
Page : 240 pages
File Size : 47,7 Mb
Release : 2007-12-26
Category : Business & Economics
ISBN : 9781429900195

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Retire on Less Than You Think by Fred Brock Pdf

The bestselling, hands-on retirement guide from Fred Brock, thoroughly updated and expanded for in-depth advice on housing assets, health-care options, and more With Retire on Less Than You Think, Fred Brock challenged the conventional wisdom on the real costs of retirement— and it struck a chord with Americans. Now, as mutual-fund investments continue to be a roller coaster, Brock updates his indispensable advice on finding asset streams, working during retirement, maximizing your health insurance, and choosing a community and housing to show how to • manage the quicksand of the housing market (your best asset) • pay for the spiraling costs of prescription drugs • discover new cost-cutting savings • plan for shifts over time in your financial goals Boasting expanded resource lists and worksheets, Retire on Less Than You Think is the best guide available for making your retirement dreams a reality.

Author : United States. General Accounting Office
Publisher : Unknown
Page : 62 pages
File Size : 53,5 Mb
Release : 1997
Category : Old age pensions
ISBN : UCBK:C062019916

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Retirement Income by United States. General Accounting Office Pdf

Author : United States. Congressional Budget Office
Publisher : Unknown
Page : 92 pages
File Size : 49,8 Mb
Release : 1993
Category : Baby boom generation
ISBN : MINN:31951P00265487M

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Baby Boomers in Retirement by United States. Congressional Budget Office Pdf

Author : Chris Komolafe
Publisher : AuthorHouse
Page : 174 pages
File Size : 45,9 Mb
Release : 2016-09-16
Category : Health & Fitness
ISBN : 9781524661212

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Retirement by Chris Komolafe Pdf

When will you retire, and how is your retirement going to be? Retirement: A Must for Every Life is a book that guides people to retire young, rich, and healthy! The book analyses retirement and views its three main dimensions, giving the earthly origin and heavenly end of retirement. Knowing how to secure your financial well-being and be in good health in retirement is the most important thing you will need to do in life. You dont have to be a genius or a doctor to do this. The book was born out of the authors burning desire to assist individual staff members of organizations, whether private or government, and persons who need motivation and inspiration irrespective of where they have their foot on the organizational ladder or in their personal business. The book makes it plain how to plan for your retirement, informing you that there is wealth all around you, how to tap these resources, and how to establish a surviving business of your own. It also discusses the problems associated with retirement and how to solve them in a very interesting and very inspirational way. Retirement: A Must for Every Life is an international bestselling retirement guidebook. Other books by the author are the following: Word from the Pulpit (A posthumous publication) Secrets and Principles of Blissful Retirement (publishing soon) Contact information Phone: 234 803 718 0464, 234 8158404815 Email: [email protected], [email protected] On the Internet: www.worldretirees.com

Author : Michael Victor Leonesio
Publisher : Unknown
Page : 144 pages
File Size : 45,9 Mb
Release : 1990
Category : Old age pensions
ISBN : CORNELL:31924088110097

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Economic Retirement Studies by Michael Victor Leonesio Pdf

Author : Bob Burkholder,Ron Cuttler
Publisher : Richmond Hill, Ont. : IncomEdge
Page : 134 pages
File Size : 42,6 Mb
Release : 1994
Category : Real estate investment
ISBN : 0969867301

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The Real Retirement Income Edge by Bob Burkholder,Ron Cuttler Pdf

Author : Jillian Howard
Publisher : Penguin Random House South Africa
Page : 96 pages
File Size : 47,8 Mb
Release : 2014-06-05
Category : Business & Economics
ISBN : 9781770226838

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The Best Pocket Guide Ever for a Financially Secure Retirement by Jillian Howard Pdf

Do you want to retire knowing that you can maintain the lifestyle you’ve grown accustomed to but don’t know if you have (or will have) saved enough to live on comfortably for the rest of your life? If so, this is the book for you ... Just about everyone over the age of forty worries about how their retirement years will turn out. A secure retirement is seen as the culmination of a life well lived. To retire wealthy and live a dream life free of hard work is the ultimate desire of almost everyone. However, the reality is that not many people have the resources to enjoy a perfect retirement. There are many pitfalls in everyday life that prevent this, and although some of these are unexpected and unfair, generally speaking most of them can be prevented or planned for. Whether you are just starting out or are about to retire, this reliable, highly accessible book will provide some practical guidelines on how to retire financially secure: from savings to investments and pension plans to provident funds, it will set out exactly what you need to live life to the full, right to the end, with more than enough in the kitty.

Author : Anonim
Publisher : Unknown
Page : 208 pages
File Size : 49,9 Mb
Release : 1974
Category : Old age pensions
ISBN : UCAL:B4662981

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Issues in Financing Retirement Income by Anonim Pdf

Author : Duane Freese
Publisher : Publications International
Page : 157 pages
File Size : 53,6 Mb
Release : 1990
Category : Business & Economics
ISBN : 0942641256

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Retirement Planning by Duane Freese Pdf

Discusses budgeting, investments, insurance, and real estate, explains how to determine the amount of money needed to retire on, and provides worksheets to aid planning.