Retirement Blog

Tuesday, July 13, 2010 9:18 am
By Jennie L. Phipps · Bankrate.com

Rocker and TV personality Ozzy Osbourne, who is currently on his annual Ozzfest tour, told FHM magazine that he tried retirement and “it was absolutely boring.” “You can’t go and say, ‘I’m retired now. That’s it!’ It won’t take long and you’re really gone for good and someone throws the last shovel of dirt on

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Sunday, July 11, 2010 10:30 am
By Jennie L. Phipps · Bankrate.com

The International Monetary Fund on Thursday scolded the United States about its debt level and – among other things — recommended cutting Social Security. That’s easy for them to say since they don’t have to run for office or deal with the reality that 26 percent of retirees depend solely on Social Security. The National Center

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Friday, July 9, 2010 2:17 pm
By Barbara Whelehan · Bankrate.com

Most people check their blood pressure on occasion to make sure it falls within normal ranges. But how often do we do a retirement readiness checkup to determine if we’ll have enough retirement income someday? Retirement-asset needs will vary dramatically, of course, depending on individual household needs, but it’s helpful to have some sort of

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Thursday, July 8, 2010 1:35 pm
By Jennie L. Phipps · Bankrate.com

If you are one of those employees who always finishes most years with more paid time off than you are able to use, a recent IRS ruling might let you turn your unused PTO into retirement savings. To make this work, your employer will have to agree and probably modify the company 401(k) plan so

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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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