Retirement Planning For Dummies. Matthew Krantz
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2TABLE 2-1 2019 Tax BracketsTABLE 2-2 Typical American Budget
3 Chapter 3TABLE 3-1 The 4 Percent Rule with $1 Million SavedTABLE 3-2 The 4 Percent Rule With Less Than $1 Million SavedTABLE 3-3 Adjusting the 4 Percent Rule, Based on Retirement AgeTABLE 3-4 No Pain, No GainTABLE 3-5 Start Early When Saving for RetirementTABLE 3-6 Getting to $1 Million by Age 65
4 Chapter 4TABLE 4-1 Where Americans Put Their Retirement MoneyTABLE 4-2 Deductible IRA Contribution Amounts (2020)TABLE 4-3 Roth IRA Eligibility (2020)TABLE 4-4 Some Exceptions to the 10% Penalty
5 Chapter 5TABLE 5-1 Key Market IndexesTABLE 5-2 Reasonable Investment ExpectationsTABLE 5-3 Popular Ways to Categorize StocksTABLE 5-4 Investments that Zig When the Market ZagsTABLE 5-5 Popular Bond CategoriesTABLE 5-6 Saving $1 Million
6 Chapter 6TABLE 6-1 Target-Date Funds Are Catching on FastTABLE 6-2 Five Brokers to Consider for Your IRATABLE 6-3 Comparing Robo-Advisors
7 Chapter 7TABLE 7-1 Understanding 401(k) Contribution Rates
8 Chapter 8TABLE 8-1 Investments That Zig When the Market Zags
9 Chapter 9TABLE 9-1 Low Costs Equal Higher Investment SuccessTABLE 9-2 Paying More Fees Costs You Dearly
10 Chapter 10TABLE 10-1 Age and Work History Define SSDI EligibilityTABLE 10-2 Benefits with Full Retirement Age of 67
11 Chapter 11TABLE 11-1 Total Nonbusiness BankruptciesTABLE 11-2 Covering an Unexpected $1,000 CostTABLE 11-3 U.S. Inflation RateTABLE 11-4 Interest Rates Influence an Emergency FundTABLE 11-5 Forms of DebtTABLE 11-6 Increasing College Costs
12 Chapter 12TABLE 12-1 Defining Company SizeTABLE 12-2 REITs: More Risk but More GainTABLE 12-3 Know Your BondsTABLE 12-4 Standard & Poor’s Credit RatingsTABLE 12-5 ESG Exchange-Traded Funds Are Plentiful
13 Chapter 13TABLE 13-1 A Sample Glide Path for Someone Retiring in 2065TABLE 13-2 A Prudent PortfolioTABLE 13-3 Are You Above Average?
14 Chapter 14TABLE 14-1 Average Spending Falls As We AgeTABLE 14-2 Suggested Stock Allocation at RetirementTABLE 14-3 Retirement BenchmarksTABLE 14-4 Sources of Retirement IncomeTABLE 14-5 Effect of Inflation Riders on an Immediate AnnuityTABLE 14-6 Recent Inflation Has Been Tame
15 Chapter 16TABLE 16-1 HSA Annual Contribution LimitsTABLE 16-2 Cost of Long-Term Care
List of Illustrations
1 Chapter 1FIGURE 1-1: Social Security’s Life Expectancy Calculator helps you see how your...FIGURE 1-2: Bankrate’s Life Expectancy Calculator factors in more details to he...FIGURE 1-3: Living to 100 Life Expectancy Calculator quizzes you with in-depth ...
2 Chapter 2FIGURE 2-1: Like most banks and credit card companies, Citibank tracks your spe...FIGURE 2-2: Mint.com provides an easy, free way to see where your money is goin...FIGURE 2-3: You have to pay for Quicken, but it gives you lots of control.FIGURE 2-4: Microsoft Excel puts you in control of your budget.FIGURE 2-5: Personal Capital helps you see where your money is going.FIGURE 2-6: Calculate how much that daily latte really costs.FIGURE 2-7: Upwork will help you find a side hustle.
3 Chapter 3FIGURE 3-1: Use Quicken to quickly size up your asset allocation.FIGURE 3-2: Vanguard’s Retirement Nest Egg Calculator keeps things simple.FIGURE 3-3: NewRetirement’s Retirement Calculator leaves few financial stones u...FIGURE 3-4: FireCalc shows you the power of a Monte Carlo retirement analysis.
4 Chapter 5FIGURE 5-1: Measure your risk tolerance with Charles Schwab’s questionnaire.
5 Chapter 6FIGURE 6-1: This letter was sent to a newly hired employee, notifying her that ...FIGURE 6-2: Fidelity is challenging Vanguard for IRA dollars where it counts — ...FIGURE 6-3: Charles Schwab offers just about any financial service, including i...FIGURE 6-4: Betterment offers robo-advisor services and lets you set the level ...FIGURE 6-5: Vanguard’s investment cost tool shows you the cost of a financial p...FIGURE 6-6: Fidelity’s BrokerCheck record shows you what the regulator knows ab...
6 Chapter 7FIGURE 7-1: Your summary plan description tells you it’s time to set up online ...FIGURE 7-2: Find the Register Now or a similar option.FIGURE 7-3: Voya’s questionnaire recommends a portfolio based on what it knows ...FIGURE 7-4: The Investments section shows you how each of the individual invest...FIGURE 7-5: Vanguard’s 401(k) site breaks down all your holdings and shows you ...FIGURE 7-6: Voya’s fund summary page lets you see the asset allocation of your ...FIGURE 7-7: A 401(k) reallocate system enables you to make shifts from differen...FIGURE 7-8: A Contribution Rate Escalator helps you automatically contribute mo...FIGURE 7-9: If loans are available from your 401(k) plan, you can find the limi...
7 Chapter 8FIGURE 8-1: Vanguard’s online IRA application steps you through opening an acco...FIGURE 8-2: Vanguard’s asset mix function shows how much of your portfolio shou...FIGURE 8-3: Vanguard’s Portfolio Watch provides an in-depth analysis of your po...FIGURE 8-4: Wealthfront’s site and digital app are aimed at people who want mor...FIGURE 8-5: Vanguard makes it easy to make a one-time contribution to your IRA.FIGURE 8-6: Vanguard will calculate your RMD.
8 Chapter 9FIGURE 9-1: Morningstar’s Quote tab is stuffed with information pertaining to y...FIGURE 9-2: No pain, no gain? Morningstar’s Risk tab helps you see if your retu...FIGURE 9-3: Morningstar’s Price tab reveals and explains the fees you’re paying...FIGURE 9-4: Morningstar’s Instant X-Ray tool studies your entire portfolio in d...FIGURE 9-5: Amazon.com’s 401(k) plan gets a so-so rating from BrightScope.FIGURE 9-6: Personal Capital’s Investment Checkup provides a good reality check...
9 Chapter 10FIGURE 10-1: A typical paycheck deducts Social Security and Medicare tax.FIGURE 10-2: Schedule SE is where self-employed people calculate their Social S...FIGURE 10-3: A rundown of the information you need to determine your Social Sec...FIGURE 10-4: You can drill down into your Social Security and see how much you’...FIGURE 10-5: Social Security makes it easy to apply for retirement benefits, as...
10 Chapter 11FIGURE 11-1: PNC’s Emergency Fund Calculator shows you how big your emergency f...FIGURE 11-2: Ally Bank’s mobile app makes it easy to deposit or transfer money.FIGURE 11-3: Bankrate helps you find the best place for your emergency money.FIGURE 11-4: Bankrate helps you see how much you’re paying for your credit card...FIGURE 11-5: Zillow’s Affordability Calculator does the math to help you see ho...FIGURE 11-6: Excel has a variety of templates to help you see how a mortgage wi...FIGURE 11-7: Savingforcollege.com is a valuable tool to use to see if a state’s...FIGURE 11-8: Vanguard’s planner helps you set a college-savings plan.
11 Chapter 12FIGURE 12-1: iShares categorizes its stock-exchange-traded funds by size.FIGURE 12-2: IFA.com’s Risk Return scatter plot shows you which asset classes d...FIGURE 12-3: Morningstar’s Portfolio page highlights the key aspects of bond fu...FIGURE 12-4: Morningstar’s Portfolio feature offers an in-depth sustainability ...
12 Chapter 13FIGURE 13-1: IFA.com’s Style Drifters chart illustrates how different assets pe...FIGURE 13-2: Vanguard provides a central information hub to help you on your wa...FIGURE 13-3: The Schwab Portfolio Checkup gives you a detailed look at where yo...FIGURE 13-4: Quicken examines your entire financial picture to see if your asse...FIGURE 13-5: Quicken picks apart your plan to show your asset allocation.FIGURE 13-6: Excel can help you keep your asset allocation on track — to the do...FIGURE 13-7: The AARP retirement plan calculator helps you play what-if with yo...
13 Chapter 14FIGURE 14-1: Calculating an annuity payment.FIGURE 14-2: Seeing how various options affect annuity payments.FIGURE 14-3: LendingTree’s reverse mortgage search tool helps you find the most...
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