Retirement Blog

Wednesday, July 7, 2010 2:32 pm
By Jennie L. Phipps · Bankrate.com

Retirement planning paralyzes people. Some 61 percent of baby boomers say they fear outliving their money in retirement more than they fear death, according to a survey of 3,200 boomers by Allianz Life Insurance Co. But 31 percent said they don’t know what their expenses will be in retirement, and 36 percent have no idea

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Tuesday, July 6, 2010 2:58 pm
By Jennie L. Phipps · Bankrate.com

If you are 65 years old today and retired or contemplating retirement, the odds are 1-1 that you’ll live to be 85 – an even bet. If I were playing the ponies, I’d take that bet. But Jerry Miccolis, chief investment officer at Brinton Eaton and an actuary, says that many aging boomers faced with odds

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Friday, July 2, 2010 1:11 pm
By Barbara Whelehan · Bankrate.com

Would you like a guaranteed stream of income during retirement? Nearly three out of four Americans (73 percent) say yes, they would like to have a fixed-rate annuity available in their 401(k) plans, according to global research firm Ipsos. But another survey by Towers Watson shows that when a retirement income guarantee is actually offered in

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Tuesday, June 29, 2010 3:53 pm
By Barbara Whelehan · Bankrate.com

At last week’s Morningstar conference I attended a session called “Putting cash to work.” I confess I assumed that the focus would be on liquid investments with more generous yields than those you can find from bank products. I thought it might provide some ideas on how to generate retirement income. But instead the focus,

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Friday, June 25, 2010 10:25 am
By Barbara Whelehan · Bankrate.com

I’m at the Morningstar conference, trying to get a sense of the outlook for the markets, the economy and where to put money. Hundreds of financial advisers from around the country attend the conference. The overcast skies in Chicago seem to affect the moods of several speakers, mainly money managers. Jeff Gundlach of DoubleLine Capital

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Tuesday, June 22, 2010 10:03 am
By Barbara Whelehan · Bankrate.com

Besides the first letter of the Greek alphabet, alpha is a highfalutin term bandied about by geeky financial types. It’s a risk-adjusted measure of excess return on an investment. Investors who believe they can beat market indexes — in other words, most mutual fund managers — strive for alpha. An article called “Playing the right

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Friday, June 18, 2010 9:56 am
By Barbara Whelehan · Bankrate.com

In preparation for Father’s Day, the National Foundation for Credit Counseling sent out a release stating that 41 percent of Americans learn personal finance skills from their parents. That stat comes from its 2010 Financial Literacy Survey. My parents have opposite money personalities, and I’ve learned from both of them. The other day my dad,

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Tuesday, June 15, 2010 2:04 pm
By Barbara Whelehan · Bankrate.com

I recently received an article called “The Year of the Roth” by Terry Coxon of Casey Research that cites all the pros of doing a Roth conversion. But toward the end it gets into a discussion about something called an “open opportunity IRA” that lets you cut your tax bill by a huge margin. Here’s how

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Friday, June 11, 2010 2:39 pm
By Barbara Whelehan · Bankrate.com

What’s the biggest source of tension in a relationship? Three in 10 couples cite money as the main stressor, well ahead of the usual suspects: intimacy (11 percent), children (9 percent) and in-law conflicts (4 percent), according to the latest American Express Spending & Saving Tracker survey. But the most surprising thing to me is

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Tuesday, June 8, 2010 2:10 pm
By Barbara Whelehan · Bankrate.com

While consumers take steps to rein in their own debt levels and shore up their savings, the U.S. continues wending its way on the path to profligate spending, as if there’s no tomorrow. The media have brought to our attention that the national debt recently passed the $13 trillion threshold. But David Walker, who served

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Tags: Debt, Taxes
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