Retirement Blog

Monday, February 7, 2011 4:44 pm
By Jennie L. Phipps · Bankrate.com

Here’s a little retirement planning exercise. See if you agree. If you ruled the world and you could fix Social Security, how would you do it? The University of Maryland Program for Public Consultation asked that question of about 2,000 people and found that given a series of possibilities and the percentage of the problem

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Sunday, February 6, 2011 10:00 am
By Jennie L. Phipps · Bankrate.com

Having a dream makes retirement planning seem less like drudgery. One of these days my husband and I want to do The Great Loop — take the boat through the Great Lakes, down the Mississippi River, around the tip of Florida, up the Intracoastal Waterway and through the Erie Canal back to Michigan waters. Doing

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Friday, February 4, 2011 3:00 pm
By Barbara Whelehan · Bankrate.com

If you think saving for retirement is difficult, just wait. Extracting a paycheck from your savings during retirement promises to be killer. What should you put your money in? A mix of stocks, bonds and cash? Conservative asset allocation funds? Annuities? Laddered CDs? In what order should you sell off your assets to produce an

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Thursday, February 3, 2011 4:14 pm
By Jennie L. Phipps · Bankrate.com

My right-brained, accountant husband stayed home yesterday because it snowed. We started talking about the number of people who attack Social Security as an inefficient retirement fund and insist they could do much better on their own. Just for the heck of it — because he loves math and me — my hubby unearthed his

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Wednesday, February 2, 2011 4:50 pm
By Jennie L. Phipps · Bankrate.com

In case you haven’t noticed, the boss isn’t getting anymore generous with retirement benefits. According to employee-benefits consultant Aon Hewitt: Traditional pensions are going away. Of the 1,300 employers in the consultant’s database, 34 percent had a defined benefit plan in 2010, compared to 61 percent in 2005 and 73 percent in 2000. Of those

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Tuesday, February 1, 2011 5:07 pm
By Jennie L. Phipps · Bankrate.com

You’d think that setting up an IRA or other simple retirement account that doesn’t have a fee would be easy, but I found out today that it’s not a slam-dunk retirement planning step if you don’t have much money. I have four grown sons and only one of them has any significant retirement savings. We

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Monday, January 31, 2011 4:51 pm
By Jennie L. Phipps · Bankrate.com

Retirement looks pretty good from the perspective of people who have managed to save a little bit of money. Investment advising company Merrill Lynch surveyed 1,000 baby boomers, ages 46 to 64, who had more than $250,000 in assets they were free to invest. While $250,000 won’t put you in the millionaire’s club, it will offer

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Sunday, January 30, 2011 10:00 am
By Jennie L. Phipps · Bankrate.com

The future of retirement and retirement planning hangs on figuring out what we’re going to do about Social Security. I have a 31-year-old son who made me and his father itchy at a recent family dinner because he went off on a tangent about the unfairness of Social Security, raising the ire and the voices of

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Friday, January 28, 2011 2:58 pm
By Barbara Whelehan · Bankrate.com

Are you confident you’ll have enough money to get you through retirement? Chances are your employer doesn’t think so. Just three in 10 companies are confident that their workers are sufficiently prepared for retirement, according to a new survey by Aon Hewitt of 210 mid-to-large U.S. companies representing 6.2 million workers. Companies have been revving

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Thursday, January 27, 2011 4:44 pm
By Jennie L. Phipps · Bankrate.com

If you’re like me, you’re nosy about how your retirement planning is going compared to how the neighbors are doing. For us financial voyeurs, the Center for Economic and Policy Research today released a calculator that provides that information. You plug in your planned date of retirement, current income, estimated mortgage and other debt, savings, stocks

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