Retirement Blog

Friday, July 23, 2010 3:25 pm
By Barbara Whelehan · Bankrate.com

A new study released by the Center for Retirement Research at Boston College finds that middle-age adults make fewer financial mistakes than younger or older people. This in and of itself isn’t alarming news. Our “fluid intelligence,” or our ability to tackle new tasks, involves working memory, reasoning, spatial visualization and cognitive processing speed, according

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Thursday, July 22, 2010 2:14 pm
By Jennie L. Phipps · Bankrate.com

Employers in many fields are making it harder to save enough money to retire. That makes retirement planning a lot more difficult. A study by consultants Towers Watson found that the value of total retirement benefits provided to new salaried employees between 1998 and 2008 in the eight industries it surveyed declined by 19 percent,

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Wednesday, July 21, 2010 2:30 pm
By Jennie L. Phipps · Bankrate.com

Several years ago, I used to do frequent work for the National Association of Investors Corp., an organization that manages investment clubs. Many of the members are people in retirement who have time to dabble in investment theory. One of their favorite mentors is Jeremy Grantham, chairman of the board of Grantham, Mayo, Van Otterloo,

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Tuesday, July 20, 2010 4:04 pm
By Jennie L. Phipps · Bankrate.com

Marv Recht, executive-in-residence at Butler University in Indianapolis, estimates that he retired from General Motors 18 years ago for about 12 hours and by that time, he had a new job. “I flunked retirement,” he says. Recht, who was human resource director for the Indianapolis plant, left GM at age 57 when the company sold

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Monday, July 19, 2010 3:04 pm
By Jennie L. Phipps · Bankrate.com

Learning to live off your investments in retirement is harder than saving the money to begin with. Particularly in this unpredictable investment environment, cutting yourself a regular retirement check from your investments can be scary. Purchasing an annuity is a retirement planning possibility that many retirees are reluctant to embrace because there’s no inflation protection

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Sunday, July 18, 2010 10:30 am
By Jennie L. Phipps · Bankrate.com

Do you know how much your 401(k) provider charges you in fees? It can have a big impact on your retirement planning. It’s hard to calculate savings if you don’t know how much in fees the total is being reduced by. Most people get their 401(k) retirement savings plans through their employers and even if they

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Friday, July 16, 2010 2:44 pm
By Barbara Whelehan · Bankrate.com

You may have heard predictions of gloom and doom for the stock market lately. The ruckus emanates from market forecaster and technical analyst Robert Prechter, who was profiled in a recent New York Times article. He predicts the Dow will drop to below 1,000 over the next five or six years. He advises everyone to

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Thursday, July 15, 2010 4:48 pm
By Jennie L. Phipps · Bankrate.com

My husband and I paid our long-term care insurance this week, and I nearly fainted when I saw the bill. For the two of us — I’m 59 and he’s 64 — we paid almost $3,500. In my book, that’s a lot for a year’s worth of insurance — especially for two people who are

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Wednesday, July 14, 2010 1:59 pm
By Jennie L. Phipps · Bankrate.com

Periodically, the Employee Benefit Research Institute, a think tank, puts out some report about how retirement incomes are going to be too low or health care costs  too high for retirees. The message seems to be that because of poor retirement planning, most of us are going to be living in cardboard boxes before all

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Tuesday, July 13, 2010 2:06 pm
By Jennie L. Phipps · Bankrate.com

Before you turn over your retirement savings to an investment adviser, hammer out a retirement plan that confirms the kinds of investments you are interested in making and the level of risk you are willing to take. Fort Lauderdale, Fla., securities fraud attorney Mark A. Tepper has made a career out of representing people who

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