On Phased Retirement, and an Economist's View on Nest Eggs
No images? Click here By Brian Hershberg | Sept. 12, 2021 In the latest Barron's Retirement quarterly report, we spoke with economist Laurence Kotlikoff on his views on what's wrong with the way we typically go about retirement savings, and we also explored phased retirement programs and how to possibly arrange one. Both pieces are particularly timely right now as many people struggle with the pandemic, how and whether to leave the workforce ahead of schedule, and their retirement savings "number". Consider first the take of Kotlikoff, an economics professor at Boston University:
Please read on for the full Q&A: This Economist Thinks Most Retirement Planning Is Wrong. Here's How to Think About It Our other piece explores phased retirements, where employer and employee part ways on a gradual schedule. There are formal and informal programs. Rules and details will vary. But they're a good way for companies to retain crucial talent, even if less than full time, and a good way for people to get used to the retired life. Please read on for the full story: He Spent a Career Building His Retirement Savings. Now He's Reluctant to Spend It Down.Living in Retirement: Our semi-retired columnist muses on why he's disinclined to begin spending down the savings he worked for three decades to build. Aging in Place Is Gaining Popularity Among Retirees. Here's How to Prep Your Home.For people near or in retirement looking to remodel, architects and designers suggest incorporating a flexible design to allow homeowners to comfortably age in place. Adding universal design elements doesn’t require a complete rehab. How to Invest in a Roth IRA to Maximize Its Potential ReturnsRisky assets with the most growth potential are the best investments for the tax-free retirement savings vehicles, pros say. Worried About Tapering? Here's How Retirement Savers Can Adjust Their PortfoliosNews that the Federal Reserve could begin trimming its bond-buying program later this year shouldn’t affect the retirement-saving strategy of young workers, but those nearing retirement might want to make some adjustments to bondholdings, advisors say. Utilities Aren't Getting Much Respect From Markets. But They Have Nice Yields.Income Investing: Utility stocks have been lagging behind the broader market, but their healthy dividend yields have helped bridge the gap by bolstering otherwise solid performance. Rethink the Order of Your Retirement Account Drawdowns. It Can Save You on Taxes.Many retirees paying almost no tax early in retirement then get hit with stiff tax bills in their 70s after they start collecting Social Security and begin required distributions. *** Stay on top of the tech trade with a daily rundown of top-performing tech stocks and the big names making news. Sign up for the Tech Report newsletter by Investor's Business Daily here. This mailing was sent to aymentanaze.news@blogger.com, . |
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