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💰 Make Your Money Last in Retirement

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Make sure your money is likely to last, by choosing a withdrawal rate you believe has a good chance of success. Use our interactive tool to familiarize yourself with the potential trade-offs involved in retirement income planning. But don't stop there.


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Jane Bryant Quinn is author of How to Make Your Money Last: The Indispensable Retirement Guide and a leading commentator on personal finance. Her personal finance column currently appears in the.


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She also shows how to look at your savings and investments in a new way. If you stick with super-safe choices the money might not last. You need safe money to help pay the bills in your early retirement years. But to ensure that you’ll still have spending money ten and twenty years from now, you have to invest for growth, today. Quinn shows.


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Income Annuities Are Gaining Popularity as a Way to Make Your Money Last in Retirement.
Here Are all the Pros and Cons About This Controversial Product Income Annuities Are Gaining Popularity as a Way to Make Your Money Last in Retirement.
The study was funded by Principal, a financial management and insurance company, and conducted by Michael Finke and Wade Pfau, two researchers with How to make money last American College of Financial Services To be sure, as a company that sells annuities, Principal how to make money last a vested interest in promoting them.
Still, some academics agree that the simplest types of annuities are worth a look.
Although annuities havethey are growing in popularity as life expectancy increases and health care costs continue to rise.
To buy an income annuity, you simply give a portion of your retirement savings to an insurance company, which then guarantees you a monthly check for as long as you live—or, for a fixed period of time, if you choose a term annuity.
Yes, you sacrifice liquidity and any gains that money would have make in the stock market, but receiving how to make money last monthly paycheck just like you did during your working years can provide peace of mind for many people, especially since a growing number of Americans will now have to make their.
If they took a combined approach devoting half of their portfolio to an annuity and putting 80% of the remaining assets in stocksthey would have a 77% probability of making it to 95 without outliving their money, compared to a 60% success rate relying on an investments-only allocation with 40% in stocks.
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You need retirement income, but how much money should you take out each year?
The answer is determined by calculating a.
Traditional calculations say this withdrawal rate is about right; you can spend about 4 percent of your investments each year and most likely never run out of money.
However, if you want to withdraw a little more, there are a set of six rules you can follow that will give you the greatest probability of increasing your retirement income.
This is not a sure thing.
If you are going to use these rules, you have to be flexible; if things don't go well, you may have to make some adjustments and take out less later.
Consult the chart below for a visualization.
Keep the right proportion of equities to fixed income so your retirement income can keep pace with inflation.
Specifically, your portfolio must have a minimum equity how to make money last of 50 percent and a maximum equity exposure of 80 percent.
If you fall too how to make money last out of this range, you run the risk of running out of money.
Too much in equities, and volatile markets may scare you away at the worst time.
Too much in fixed income, and your retirement income will not keep pace with inflation.
Think of building a multi-asset class portfolio like creating a well-balanced meal.
Imagine, for example, sitting down to a sumptuous dinner of steak, shrimp, and baby back ribs.
Although the meal has variety, it is not well-balanced.
In the investment world, instead of food groups, you have asset classes.
A well-balanced portfolio contains, at a minimum, an allocation toward each of the following asset this web page U.
Each year you would back to a target mix.
When you take withdrawals, your retirement income must come from each category in a particular order.
For the new investor, these rules can be complex.
To simplify the idea, picture three buckets.
This assures you always have enough cash on hand to cover your upcoming expenses.
You may only take money from the equity bucket when it overflows.
An overflow year is any year when equities have above average returns, roughly an annual return in excess of 12 to 15 percent.
At the end of an overflow year, you sell excess equities and use the proceeds to refill the fixed income and cash buckets.
There will be many years where the equity bucket does not overflow.
It will take discipline to realize it is okay to let the fixed income and cash buckets get to a low level during these years.
Eventually, an overflow year will come along and all buckets will be refilled.
Following how to make money last rule will prevent you from becoming a victim of your own emotions and selling investments at an unfavorable time.
Many of these rules were developed through research conducted by Jonathon Guyton.
You can find additional details on his prescribed order of which assets how to make money last use first, in the article titled Decision Rules and Maximum Initial Withdrawal Rates on his website.
This article was first published in the March 2006 issue of the "Journal of Financial Planning.
It is triggered when your current withdrawal rate is 20 percent greater than your initial withdrawal rate.
The best way to explain this rule is to use an example.
Much like real life, where some years you receive a bonus and how to make money last years a pay cut is required, this rule adds the flexibility you need to endure changing economic conditions.
The opposite of the pay cut rule, it is called the prosperity rule.
It says that as long as the portfolio had a positive return in the prior year, you may give yourself a raise.
Your raise is calculated by increasing your monthly withdrawal in proportion to the increase in the consumer price index CPI.
Following these rules takes discipline.
The reward is a higher level of retirement income, and an increased ability to maintain purchasing power.
It is important to make informed decisions about your money.
It takes time to learn new skills.
Remember, the right decisions will help you generate retirement income that will last.
Prior to implementing a retirement income plan of your own, take the time how to make money last learn as much as you can.
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She also shows how to look at your savings and investments in a new way.
If you stick with super-safe choices the money might not last.
You need safe money to help pay the bills in your early retirement years.
Quinn shows you how.
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It has pros and cons.
I think it's excellent for people who have little to no experience with financial planning.
One clue about this is she addresses people who are afraid to buy stocks when prices are how to make money last />Any half savvy investor would know that is the time to buy; when stocks are "on sale".
Would you be afraid to buy clothes when they are on sale and wait for the prices to go back up?
Anyway, I wanted to give it 2.
But maybe my expectations were too high.
Her compilation and explanation of ideas and theories for newbie financial planners might garner a how to make money last star rating.
So I guess I'll settle for 3 stars.
But if I could, I'd do 3.
I like that she focuses on low fee index funds and warns people about managed funds.
Most manage funds by far fail to match or beat an index fund, and there is no way to guess which few might beat it.
They don't beat them ongoing.
Usually just one lucky year, and then the next year it's another lucky fund.
So you would have to be a psychic to win with managed funds.
But I don't agree with her absolute admonition not to buy any individual stocks.
There isn't much read more it for people who are already familiar with their finances.
I was hoping for some different ideas about retirement fund withdrawals to make it last a lifetime.
I didn't see much of that at all.
So it didn't live up to my expectations.
But for newbie investors it has a lot of good advice.
That being said, here are some specific thoughts I have about the book.
Her typical 4% withdrawal rule for using ones retirement savings seems very flawed to me.
I suppose if you want to leave a pile of money on the table when you die to leave to your kids or something, that rate of withdrawal would work, if you can live on that amount.
But if you need more than 4% of your savings to live on, I think it's pretty easy to take significantly more than that, if you are okay with dying broke.
For instance, it is not at all difficult to get a return on investment of 6-10%.
If you only spend your ROI your principle will never go down.
So if you want to draw down some of your principle, you can even withdraw more than the ROI!
Example from my personal experience: I invest in dividend stocks.
My average dividend yield is 5.
So already, without touching any of my principle, I'm better off than the 4% rule.
Using an online calculator, I found I can withdraw 7-8% which will use my dividends plus some principle, and I can live to 100 years old and die broke.
That's DOUBLE the monthly income than the 4% rule!
On page 197 she says that "many retirees wouldn't dream of holding 50% of their savings in stocks".
I believe that the idea of moving investments from stocks to bonds as one gets to retirement age is an old, outdated idea.
At retirement age you are still a how to make money last term investor — 30 years or more.
I have about 90% in stocks.
Yes, you read that correctly.
Individual high yield dividend stocks, well diversified into a couple dozen stocks.
This is safer than the old wisdom would make you believe.
No matter what happens to the stock prices, I'm getting 5.
So I can easily make it through a tough stock market downturn since I don't have to rely on the stock price.
I did that in 2007-2008.
And on the rare occasion when dividends are reduced, I'm diversified enough such that it would only occur on a very small percentage of my stocks, so it wouldn't affect my average yield very much.
On page 223 she says that interest and dividend income won't be enough to live on, and that they won't grow with inflation.
You just need to buy a diversified lot of higher dividend stocks that have a long history of paying and raising dividends every year.
I get a raise in my dividend income every year from these stocks.
Including the raises, I'm approaching a 6% yield and thus can spend that much without touching the principle.
I also disagree with her warning on page 223 about dividend stocks.
There is enough diversification to be had.
And the dividend stocks in companies that have a long history of not lowering their dividends makes it safe that your dividends won't be lowered.
In the banking crash of 2008 I had a couple dozen stocks and two of them lowered dividends.
That ratio hardly affected my overall dividend income at all.
Also, so what if the banking stocks crashed?
That's a good time to buy more when they are "on sale".
Look what happened rather quickly afterwards; they soared!
When stocks go down, avoid the tendency to want to sell and get out.
Anyone with stock buying experience knows this.
I agree about her assessment of most financial planners.
If they are on commission, you can't trust them to have your interest, instead of theirs, at heart.
Of course there are exceptions to every rule, but how are you supposed to how to make money last which are the extremely few good ones?
The best way is to simply how to make a costume them.
It also surprises me that she never discuss early retirement when calculating social security.
These calculations are always based on the assumption that you will continue to earn the same amount until retirement age.
Thus if you retire early, the years between then and social security age will have no income and thus will not add to your social security benefit.
Another thing she doesn't mention is the Republican threat.
They are always trying to take our social security and Medicare away.
I think there are too many old people dependent on these safety nets that will make this a hard task for them to accomplish.
In any case, if you want to protect your safety net, vote Democratic!
She uses the traditional old school verbiage of assuming the husband is the main bread winner and says "social security is too complicated for unisex writing".
Saying "spouse" instead of "husband" or "wife" is difficult?
A flaw about her annuity example.
If you buy an annuity and die after just a couple of years, the insurance company gets your money.
But she says so what, you are dead, it doesn't matter!
What about how to make money last spouse or other dependents!
I think it matters a lot.
Not to mention that agree, how to make money making games theme says the annuity gave him more than his investments could have, and as I showed earlier in this review that is not true.
She says annuities have a bad rap from everyone except her.
I have to agree with the "everyone" and disagree with her.
She keeps saying you will have a higher monthly check to spend with annuities but as I've shown above this just isn't true by a long shot.
Sure, some people will like the idea of an please click for source because they aren't comfortable with stocks, etc, and how to make money last is fine, but don't fool yourself that the annuity gives you more money.
The feeling of safety you might get from it comes at a price, as does everything - a lower monthly check, not a higher one.
Oh, and by the way she speaks of checking the rating companies like Standard and Poor's, Moody's, etc, before buying an annuity.
These rating companies are dicey.
They have been caught selling high ratings learn more here companies.
I wouldn't trust them as far as I could throw their office building.
It's a shame that her annuity chapter is the longest, and most boring, one, since it is the least useful, since pretty much nobody should buy an annuity!
Again, I think they have a bad rap for a reason.
In fact, all you have to do is read her chapter on annuities and I doubt you'd ever buy one!
They are a horror show sold by sleazy insurance companies.
If someone suggests to you to buy an annuity, run!
They are sold by criminals for the most part if you ask me.
She often talks about opening an account with firms like Vanguard, Fidelity, Tiaa-Cref, etc.
Unless I missed something, it is bizarre to me that she doesn't talk about the best choice of all: a discount broker.
Your choices of what to invest in there are nearly infinite.
Any stock, bond, mutual fund, etc, you want can be had there.
Open your IRA, Roth IRA, SEP IRA, and rollover your 401K, etc.
The trade commissions are dirt cheap and with stock and bond investing there is zero annual commissions!
I guess on page 179 I see why she might not discuss this best of options: she doesn't like or suggest individual stocks!
To be safe all you have to do is diversify and have a good newsletter where they watch your back.
But maybe the target audience of this book is for people who are willing to take less return on their investment for not having to decide what stocks to buy.
On page 260 she suggests using Quicken Financial Planner.
This program is so old you'll need a version of Windows so old you may have never even heard of it!
Why recommend something so old it can't possibly have current information, Hint: she is affiliated with the program, so maybe that's why she recommends it.
On page 262 she says for each percentage point you pay in fees, the amount you can safely withdraw drops by about 0.
Can someone tell me what the math is on this?
It seems to me that sans fees, if you can safely take out 4%, if they take 1% in fees, then you can only take out 3%.
In other words, for every 1% in fees, you have to drop your withdrawal by the same 1%.
Or am I missing something?
She says if you plan on selling your house, doing it sooner rather than later.
That will save you from further expenses of upkeep, taxes, and insurance.
She doesn't take into account rising real estate prices.
If the value of the house goes up, it can go up a hell of a lot more than the cost of upkeep.
Selling a home and renting to free up cash for investing is a good idea.
She speaks of how it also frees up your worries.
One thing she doesn't mention: you could be booted out and forced to move if you don't own the home!
That doesn't sit well with me on the worry meter.
Excellent section on reverse mortgages.
Overall I would say that this is an excellent book for those who have little to no knowledge or confidence about financial planning and investing.
For those in the know, there might be a few tidbits you didn't know about, but not much.
For those looking for different ways to withdraw money from retirement accounts, which is why I bought the book, there's pretty much nothing.
Of course almost none of the information in here is new.
I've come across all of these concepts for many years, decades.
But she does a fine job of compiling the important theories and summarizing in plain English.
Well thought out, clearly written, uncomplicated advice on how to manage your money in retirement.
She constantly steers you away from complex financial schemes and warns you repeatedly that many people in the financial industry make money selling you stuff and may not have your very best interests in mind.
The types of approaches she suggests are mostly simple enough that you can manage it yourself.
It is fair to say her approach is somewhat conservative but she firmly believes, and repeats it over and over, that clever investing schemes rarely outperform simple index funds in the long run.
Lots of good information on index funds, bonds, annuities, social security and even reverse mortgages.
Many references to web sites.
A really good resource for someone who is not very experienced in investing and arguably a reminder about common sense for people who think they are.
Also some nice suggestions on planning for your life in retirement.
It's the first book I read on retirement finances so plan to read at least one or two more.
Has given me a lot of confidence that it's all going to work out fine.
I liked this very practical book.
I'm 55 and have worked with accounting and investments all of my adult life after earning a bachelor's degree in Finance.
This book will help you plan for retirement by giving solid researched practical advice about your retirement.
This includes investing, withdrawing, insurance, and advice on how to keep your expenses down in retirement and live well.
I plan to keep it as a reference and share with friends and family what I learned.
This book is well written and kept my interest.
Probably would appeal most to people of some means middle income with retirement savings.
Maybe not complex enough for the wealthy and maybe too complex for people with little savings or little ability to save.
I read some of the negative reviews and had to laugh.
These snooty, "educated" reviewers look down their noses at this book cause it's "nothing new" lol.
For me this book is priceless!!
It opened my eyes to how I need to start thinking.
She knows her audience.
ME average working Joe.
She didn't write this for the financial retirement geniuses like most of the negative reviews.
She explains stuff in layman's terms so it's easy to understand.
And I bet even the self righteous financial guys could learn a thing or 2 if they "Really" read it.
JBQ covers a LOT of stuff in this book.
It is very informative and priceless in my opinion.
Thank you Jane Bryant Quinn.
You have a new fan.
Or a post retirement managing book.
Its the same how to plan for retirement wayyyyy before you actually retire!
I am 70 years old and felt this book should be read by someone who is perhaps 45-50years old or YOUNGER.
She makes many good points and we had already retired and it was just too late to implement her suggestions.
I also thought this book is how to make money last folks wealthier than we are.
I am glad I read it and will pass it down to a friend who is younger and wealthier than me.
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How to Make Your Paycheck Last Longer 1. Increase Your Withholding Allowances. While getting a huge tax refund every year may seem like a nice bonus, you are actually letting the government use your money interest-free until they return it after you file. Most likely you could’ve been using this money instead.


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How to Make Your Money Last: The Indispensable Retirement Guide: Jane Bryant Quinn: 9781476743776: bonus-casino-money.website: Books
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Rule number one: Don't dump stocks.
In 2007, after teaching math for just click for source years at a private school in the Washington, D.
He spent a few months training his successor as head of the math department and, in December, retired at the relatively young age of 61.
Bob's wife, Margaret then 56had retired a few months earlier from her job in the mortgage industry.
The couple were eager to kick back in their new home, in Ocean Pines, Md.
See Also: Their timing couldn't have been worse.
The stock market entered a downward spiral just of how to make money online the Longs were tapping into their retirement savings.
They expected their money to last well into their nineties, based on retirement calculators, so they were rattled to see their balance shrink so quickly.
If their timing was all wrong, their response was just about perfect.
Rather than bail out of stocks in a down market, they stayed the course and stopped looking at their brokerage statements.
They were conservative in the amounts they took from their retirement accounts.
And they dipped back into the workforce.
Bob returned to the classroom as a substitute teacher, and both he and Margaret took short-term jobs at the Census Bureau—for fun and how to make money last money.
The Longs' restrained approach was rewarded when the market and their nest egg began to rebound after March 2009.
But they and other retirees can't be guaranteed they won't face future challenges.
Don't dump stocks At 65, you'd think you could stop worrying about building your retirement stash and focus on preserving it.
But with today's longer life expectancies a 65-year-old man can expect to live until 84, on average, and a 65-year-old woman can expect to live until age 86"you have to take on some level of risk if you want to keep up with and beat inflation," says Nate Wenner, a certified financial planner in Https://bonus-casino-money.website/how-make/how-to-make-money-at-the-casino-slots.html, Minn.
To keep the growth engine running, financial planners generally recommend that you have 40% to 60% in stocks at the start of your retirement, with the rest in cash and fixed-income investments to tamp down risk.
A more conservative investor might start with 30% in stocks and 70% in fixed-income investments; aggressive investors would reverse it to 70% and 30%.
How you invest within those parameters gets tricky, says Blanchett, given that bond yields remain low by historical standards recently 2.
Aim for a diversified portfolio that includes U.
On the bond side, given the low-interest-rate environment, go with short-term bonds, floating-rate bank loan funds and high-yield bond funds see our suggested port­folio below.
As you get further into retirement, gradually reduce risk by shifting to more bonds and cash.
Some investors feel comfortable allocating 30% to stocks even in their advanced old age; others end up with 10% to 15% in stocks and the rest in cash and fixed investments.
Only the most conser­vative investors get out of stocks al­together, says Maria Bruno, a senior investment analyst at Vanguard, and those investors "are very how to make money last />Be aware that funds have different asset mixes and different timetables for adjusting them, called glide paths see.
For instance, the Vanguard 2015 fund, aimed at people retiring between 2013 and 2017, invests 50% in stocks and 50% in bonds that year and moves to 30% stocks and 70% bonds over seven years.
A comparable fund from Fidelity has you start retirement in 2015 with 50% in stocks, 40% in bonds and article source in short-term funds and moves to 20% stocks with the rest in bonds and short-term funds over ten to 15 years.
Another strategy is to carve out part of the money you how to make money last otherwise put in bonds to buy an immediate fixed annuity, which delivers a guaranteed income for as long as you live.
Then you can go all in with stocks for the rest," says Steve Vernon, author of Money for Life Rest-of-Life Communications.
Low interest rates are dampening the income you can generate with a single-premium immediate annuity—the meat and potatoes of the annuities world—but there are ways to boost the payouts, such as laddering or buying a deferred-income annuity see.
Smart distribution of your assets is only part of the challenge.
You also need to adopt a strategy to make your income last for the rest of your life.
Many retirees aim to replace 80% of their preretirement income, but it's a good idea to create a budget and test-drive it before you quit your day job see.
If you can't get by with Social Security, a pension and savings, consider tapping your home equity through a reverse mortgage see.
Live off your interest One obvious way to ensure you won't run your portfolio dry is to siphon off the interest, dividends and perhaps the capital gains on your investments and preserve the principal.
At current interest rates, you'd need a hefty amount plus a decent guaranteed income to generate a respectable paycheck.
If you're accustomed to a more lavish lifestyle, that may not be enough, especially considering taxes for tax-efficient ways to tap your accounts, see.
You could supplement the amount by working part-time click the first few years of retirement, postponing the point at which you draw down your principal—at least until you have to take required minimum distributions.
The longer you wait to tap your nest egg, the shorter your time horizon becomes and the less likely your money will run out.
Better yet, work a little longer and delay taking Social Security until you hit 70.
Your benefit will earn 8% a year in delayed retirement credits from age 66 to age 70.
To learn more, read.
Rethink the 4% rule For the past two decades, some financial planners have used 4% as a benchmark for how much you can withdraw from your retirement assets and be reasonably assured of not running out of money after 30 years.
According to this rule, you would take 4% of your total portfolio in the first year of your retirement and increase the amount each year by the rate of inflation.
The benchmark, developed in 1994 by William Bengen, was based on average returns over overlapping 30-year periods, using a model port­folio with a 50% allocation to stocks and 50% to bonds.
But historical averages don't necessarily reflect the conditions you face out of the starting gate, and those conditions can have a disproportionate effect on where you end up.
If you start taking distributions from your portfolio at the beginning of a bear market and follow the 4% rule, you could face a higher risk of running out of money after 30 years than if you start tapping your money when the market is how to make money last, says Martin Schmidt, an adviser at the Institutional Retirement Income Council.
Low interest rates, which are expected to last for at least several more years, make for another game changer.
If you buy a ten-year government bond today, he says, you get 2.
That's about three percentage points below the long-term average.
Rather than stick to a rigid formula, lower your payout or skip the inflation adjustment, as the Longs did when market conditions are against you.
Then take it up a notch when your investments are thriving.
Blanchett says he still thinks that 4% is an excellent starting point, but to get there how to make money last more active decision-making than it once did.
Not so much today.
This method has you start with a minimum payout rate of 3.
The IRS life-expectancy tables for a 70-year-old man use an average life expectancy almost twice as long as the one actuaries at Social Security use.
Here's an example from Vanguard.
But there's a catch: At age 90, your purchasing power starts to creep back down.
Add to that the risk that the RMD formula might cause you to take too big a bite out of your savings during a market decline and you'll see that the system, though convenient, is not risk-free, adds Bruno.
Use the bucket system Another way to hedge your bets against market downturns and other unpleasant events is to position your money in various buckets.
With this system, you invest enough money in liquid, conservative accounts to cover several years' worth of basic costs and the rest in short- and intermediate-term bonds and growth-oriented investments, such as stock funds.
To set it up, calculate how much of your essential expenses you can cover with guaranteed income, such as Social Security and pensions.
Put enough money to cover the rest of your expenses for several years into safe investments, such as money market funds and short-term CDs.
Use a second bucket for discretionary expenses, such as travel, putting that money into short- and intermediate-term bonds.
With current interest rates, you won't get much additional yield over the first bucket, but that will change as rates go up.
The remainder would go into a third bucket, a mix of stock and bond funds.
You replenish the first two buckets by rebalancing and taking profits from the third.
Or use just two buckets, one to cover expenses and the second to nurture growth.
Patrick Horan, of Horan Capital Management, in Hunt Valley, Md.
When the stocks hit his assessment of fair value, he sells, using the money to replenish the first bucket.
An annuity also works with the two-bucket strategy: You use the income from an immediate annuity plus Social Security and any pensions to cover your fixed expenses and let your growth investments ride.
You'll hedge your bets even further by buying an inflation-adjusted article source, although you'll receive a lower initial payout.
The bucket strategy does present a couple of problems: Unless you rely solely on guaranteed income, your portfolio will become increasingly conservative as you sell stocks to replenish the first bucket, skewing the mix, says Tracy Burke, a certified financial planner in Harrisburg, Pa.
And your bucket strategy may compete with your tax strategy see.
If you decide to use this strategy, consult a financial adviser.
In fact, that's good advice to follow before you settle on any arrangement.
So how are the Longs faring, six years after retiring into that disastrous bear market?
Other than an occasional return to the classroom for Bob, the couple are now fully retired.
Not only are they enjoying a more leisurely existence including crafts for her, golf for himbut Bob is back to checking his investments regularly.
I'm a numbers guy.
I'll look just for the fun of it.
That uncertain feeling of 2008 and 2009—we don't have that anymore.
Create a personalized strategy to maximize your lifetime income from Social Security.

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As you can see, strategically pulling money from taxable and non-taxable savings each year allows you to control when and how much you pay in taxes. That’s important because your taxable income can also impact Medicare premiums and the amount you pay in capital gains on investments outside your retirement accounts.


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How to Make Your Paycheck Last Longer
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Make Your Money Last in Retirement
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How to make money FAST for concert tickets

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3 Make Money Online with Swagbucks. Basically this is a free site that offers you a bunch of ways to earn cash, gift cards, or other rewards. For any teens out there, it is great because you only need to be 13 years old to join, so this is a great way to make money for teens of all ages!


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How to Make Your Money Last: The Indispensable Retirement Guide: Jane Bryant Quinn: 9781476743776: bonus-casino-money.website: Books
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Make Money Blogging: How I Made $14,199.99 Last Month! (JULY 2017)

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6 Withdrawal Rate Rules to Make Your Savings Last
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bonus-casino-money.website: How to Make Your Money Last: The Indispensable Retirement Guide eBook: Jane Bryant Quinn: Kindle Store
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Make Money Blogging: How I Made $14,199.99 Last Month! (JULY 2017)

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A common goal among attendees was how to make their money last longer. “I think we need to generate a little more income. You know, the money we have coming in, and the taxes and our expenses.


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Make Your Money Last in Retirement
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Income Annuities Sales are Increasing. Here's What to Know. | Money
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Rule number one: Don't dump stocks.
In 2007, after teaching math for 34 years at a private school in the Washington, D.
He spent a few months training his successor as head of the how to make money last department and, in December, retired how to make money last the relatively young age of 61.
Bob's wife, Margaret then 56had retired a few months earlier from her job in the mortgage industry.
The couple were eager to kick back in their new home, in Ocean Pines, Md.
See Also: Their timing couldn't have been worse.
The stock market entered a downward spiral just as the Longs were tapping into their retirement savings.
They expected their money to last well into their nineties, based on retirement calculators, so they were rattled to see their balance shrink so quickly.
If their timing was all wrong, their response was just about perfect.
They were conservative in the amounts they took from their retirement accounts.
And they dipped back into the workforce.
Bob returned to the classroom as a substitute teacher, and both he and Margaret took short-term jobs at the Census Bureau—for fun and pocket money.
The Longs' restrained approach was rewarded when the market and their nest egg began to rebound after March 2009.
But they and other retirees can't be guaranteed they won't face future challenges.
Don't dump stocks At 65, you'd think you could stop worrying about building your retirement stash and focus on preserving it.
But with today's longer life expectancies a 65-year-old man can expect to live until 84, on average, and a 65-year-old woman can expect to live until age 86"you have to take on some level of risk if you want to keep up with and beat inflation," says Nate Wenner, a certified financial planner in Edina, Minn.
To keep the growth engine running, financial planners generally recommend that you have 40% to 60% in stocks at the start of your retirement, with the rest in cash and fixed-income investments to tamp down risk.
A more conservative investor might start with 30% in stocks and 70% in fixed-income investments; aggressive investors would reverse it to 70% and 30%.
How you invest within those parameters gets tricky, says Blanchett, given that bond yields remain low by historical standards recently 2.
Aim for a diversified portfolio that includes U.
On the bond side, given the low-interest-rate environment, go with short-term bonds, floating-rate bank loan funds and high-yield bond funds see our suggested port­folio below.
As you get further into retirement, gradually reduce risk by shifting to more bonds and cash.
Some investors feel comfortable allocating 30% to stocks even in their advanced old age; others end up with 10% to 15% in stocks and the rest in cash and fixed investments.
Only the most conser­vative investors get out of stocks al­together, says Maria Bruno, a senior investment analyst at Vanguard, and those investors "are very rare.
Be aware that funds have different asset mixes and different timetables for adjusting them, called glide paths see.
For instance, the Vanguard 2015 fund, aimed at people retiring between 2013 and 2017, invests 50% in stocks and 50% in bonds that year and moves to 30% stocks and 70% bonds over seven years.
A comparable fund from Fidelity has you start read article in 2015 with 50% in stocks, 40% in bonds and 10% in short-term funds and moves to 20% stocks with the rest in bonds and short-term funds over ten to 15 years.
Another strategy is to carve out part of the money you would otherwise put in bonds to buy an immediate fixed annuity, which delivers a guaranteed income for as long as you live.
Then you can go all in with stocks for the rest," says Steve Vernon, author of Money for Life Rest-of-Life Communications.
Low interest rates are dampening the income you can generate with a single-premium immediate annuity—the meat and potatoes of the annuities world—but there are ways to boost the payouts, such as laddering or buying a deferred-income annuity see.
Smart distribution of your assets is only part of the challenge.
You also need to adopt a strategy to make your income last for the rest check this out your life.
Many retirees aim to replace how to make money last of their preretirement income, but it's a good idea to create a budget and test-drive it before you quit your day job see.
If you can't get by with Social Security, a pension and savings, consider tapping your home equity through a reverse mortgage see.
Live off your interest One obvious way to ensure you won't run your portfolio dry is to siphon off the interest, dividends and perhaps the capital gains on your investments and preserve the principal.
At current interest rates, you'd need a hefty amount plus a decent guaranteed income to generate a respectable paycheck.
If you're accustomed to a more lavish lifestyle, that may not be enough, especially considering taxes for tax-efficient ways to tap your accounts, see.
You could supplement the amount by working part-time for the first few years of retirement, postponing the point at which you draw down your principal—at least until you have to take required minimum distributions.
The longer you wait to tap your nest egg, the shorter your time horizon becomes and the less likely your money will run out.
Your benefit will earn 8% a year in delayed retirement credits from age 66 to age 70.
To learn more, read.
Rethink the 4% rule For the past two decades, some financial planners have used 4% as a benchmark for how much you can withdraw from your retirement assets and be reasonably assured of not running out of money after 30 years.
According to this rule, you would take 4% of your total portfolio in the first year of your retirement and increase the amount each year by the rate of inflation.
The benchmark, developed in 1994 by William Bengen, was based on average returns over overlapping 30-year periods, using a model port­folio with a 50% allocation to stocks and 50% to bonds.
But historical averages don't necessarily reflect the conditions you face out of the starting gate, and those conditions can have a disproportionate effect on where you end up.
If you start taking distributions from your portfolio at the beginning of a bear market and follow the 4% rule, you could face a higher risk of running out of money after 30 years than if you start tapping your money when the market is healthy, says Martin Schmidt, an adviser at the Institutional Retirement Income Council.
Low interest rates, which are expected to last for at least several more years, make for another game changer.
If you buy a ten-year government bond today, he says, you get 2.
That's about three percentage points below the long-term average.
Rather than stick to a rigid formula, lower your payout or skip the inflation adjustment, as the Longs did when market conditions are against you.
Then take it up a notch when your investments are thriving.
Blanchett says he still thinks that 4% is an excellent starting point, but to get there requires more active decision-making than it once did.
Not so much today.
This method has you start with a minimum payout rate of 3.
The IRS life-expectancy tables for a 70-year-old man use an average life expectancy almost twice as long as the one actuaries at Social Security use.
Here's an example from Vanguard.
But there's a catch: At age 90, your purchasing power starts how to make money last creep back down.
Add to that the risk that the RMD formula might cause you to take too big a bite out of your savings during a market decline and you'll see that the system, though convenient, is not risk-free, adds Bruno.
Use the bucket system Another click at this page to hedge your bets against market downturns and other unpleasant events is to position your money in various buckets.
With this system, you invest enough money in liquid, conservative accounts to cover several years' worth of basic costs and the rest in short- and intermediate-term bonds and growth-oriented investments, such as stock funds.
To set it up, calculate how much of your essential expenses you can cover with guaranteed income, such as Social Security and pensions.
Put enough money to cover the rest of your expenses for several years into safe investments, such as money market funds and short-term CDs.
Use a second bucket for discretionary expenses, such as travel, putting that money into short- and intermediate-term bonds.
With current interest rates, you won't get much additional yield over the first bucket, but that will change as rates go up.
The remainder would go into a third bucket, a mix of stock and bond funds.
You replenish the first two buckets by rebalancing and taking profits from the third.
Or use just two buckets, one to cover expenses and the second to nurture growth.
Patrick Horan, of Horan Capital Management, in Hunt Valley, Md.
When the stocks hit how to make money last assessment of fair value, he sells, using the money to replenish the first bucket.
An annuity also works with the two-bucket strategy: You use the income from an immediate annuity plus Social Security and any pensions to cover your fixed expenses and let your growth investments ride.
You'll hedge your bets even further by buying an inflation-adjusted annuity, although you'll receive a lower initial payout.
The bucket strategy does present a couple of problems: Unless you rely solely on guaranteed income, your portfolio will become increasingly conservative as you sell stocks to replenish the first bucket, skewing the mix, says Tracy Burke, a certified financial planner in Harrisburg, Pa.
And your bucket strategy may how to make money last with your tax strategy see.
If you decide to use this strategy, consult a financial adviser.
In fact, that's good advice to follow before you settle on any arrangement.
So how are the Longs faring, six years after retiring into that disastrous bear market?
Other than an occasional return to the classroom for Bob, the couple are now fully retired.
Not only are they enjoying a more leisurely existence including crafts for her, golf for himbut Bob is back to checking his investments regularly.
I'm a numbers guy.
I'll look just for the fun of it.
That uncertain feeling of 2008 and 2009—we don't have that anymore.
Create a personalized strategy to maximize your lifetime income from Social Security.