From: Joeseph Clark, CFEd®, RFC®
Managing risk is as important today as it has always been. For example, when it comes to our biggest asset, our home, we’re protected with homeowners insurance. When it comes to our cars and the risk of liability in the event of an accident, our autos are insured. And of course, when it comes to our health and the enormous…
From: Wharton Financial Institutions Center
• We offer the first empirical exploration of fixed indexed annuity returns based upon actual contracts that were sold and actual interest that was credited.
• Annuity returns have been competitive with alternative portfolios of stocks and bonds.
• Their design has limited the downside returns associated with declining markets.
• They have achieved respectable returns in more robust equity markets.
• Studies that have…
From: www.thinkadvisor.com
When it comes to inflation’s effect on retirees, the big concern is health care. For example, at age 65, 10% of savings might be spent on it, but at 85, that jumps to 20%, said David Blanchett, managing director and head of retirement research for PGIM DC Solutions, at Morningstar’s annual conference session, State of Retirement Income,…
From: www.fool.com
When you’re young, and need more income, you might take on an extra job, get a raise at work, or switch to a better-paying job. But when you’re retired, those options may not be feasible. Still, retirees need ample income to survive for possibly two or three decades (or more), and Social Security alone is never going to…
A webinar by REAP’s David H. Morgan, MSFS, CFF, RMA, CEP®. Learn more about David here.
From: www.kiplinger.com
In a rush to file for Social Security benefits at age 62? Many people are, but slow down and do the math first – or you might regret it.
When it comes to claiming Social Security retirement benefits, you may want to consider waiting to start benefits when you’re 70.
That means not starting benefits when you’re 62…
A webinar by REAP’s David H. Morgan, MSFS, CFF, RMA, CEP®. Learn more about David here.
From: money.usnews.com
Here’s what you need to do to get Social Security payments for $3,500 per month or more.
The average monthly Social Security payment for retirees was $1,551 in March 2021. But many retirees receive over $3,000 per month from the Social Security Administration, and payments could be as much as $3,895 in 2021.
The maximum possible Social Security benefit in 2021…
From: www.retirementplanning.net
Most people rely on their retirement savings accounts, such as a 401(k) account or an IRA (individual retirement account), for the non-working years of their life. While these plans supplement Social Security benefits, they are also prone to market volatility. A downturn in the market could have severe implications on your retirement income from these accounts. But since…
Retirement comes with a wealth of positive benefits, including time, freedom and extra energy to try new things. But for some, all that extra time can cause feelings of boredom or anxiousness. This isn’t uncommon considering the fulfillment of a full time career or tending to a family are suddenly gone, and can end up resulting in a lost sense of purpose.
While retirement…
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