자기 소개Retirement just happens. If we live long enough, even then we will eventually reach a point where we will soon leave our own careers, choose another, minimally uncomfortable working life, or stop earning a living altogether. There was a time when bookmakers included retirement dreams in their compensation packages and pundits could count on a percentage of their salary that was easy to live on for the rest of their lives. Previously, social security benefits were sufficient to offset the cost of living so that any user would be able to retire separately based on social security income. In the 21st century, neither of these is relevant anymore. Instead, a person must independently create a comfortable retirement for the game. However, those who are still eagerly looking forward to retirement will have the longest post-retirement life expectancy thanks to continued advances in healthcare. In other words, it's the best idea to spend whatever is needed to ensure you have a comfortable and enjoyable retirement. It's a little tricky to know exactly how to do this. Talking to a certified financial planner definitely helps, but there are steps you can also take to create a great future after your working life. Plan your retirement Tune in to savings Use retirement plans Diversify, diversify, diversify Consider roth ira Manage your mortgage Reduce investment fees Keep working budget in the end parts Purchase long-term care insurance 10. Make a retirement plan At first it's not as much as you would like to make savings for retirement. If you need to realize “what is absolutely necessary to do in order to create a large stash, you have to start with a plan. The us department of labor recommends that you pay attention to the definition of your net worth - the total value of your assets in addition to the value of your debts (these services are like the price of your address excluding the cost of food that you still owe on the mortgage). You want this factor, the number to be positive, and all assets worth more than your debts. It doesn't matter if the move is completely wrong. Even if you find that yours is to top up your negative (as most people do), start with the body, in order to find out what you have the ability to draw, in order to make it positive. First, determine what you are looking to contribute to reach your retirement goal. You need a stash that can generate 70 to 90 percent of your pre-retirement pre-tax salary each year. How much will you have to contribute to achieve this goal? Most importantly, how is the client going to secure these contributions? Next, you will like to create a budget for your current expenses and include your savings contributions as a monthly expense. The budget will also give you a clear picture of where your money is going or give you some idea of what debts need to be dealt with first. Now that the plan is in place, you need to reorder your thinking to stick to it. 9. Tune in to savings Setting aside for years only to be able to earn 70 to 90% of your old salary each year when a player retires sounds like a staggering idea. How can a customer save so much while you are still living your own business before retiring? The good thing is that there is compound interest—small amounts of money deposited into one's retirement savings account as a 401(k) or roth ira can increase like a bank account over several decades. Yet, you are required to plant a seed to grow wood and when it comes to saving for retirement, it can be difficult to have the discipline necessary to pay in the new millennium to benefit later. This is where savings comes in. Look at the budget you have prepared as a section of your plan. Does a large proportion of your monthly rate go to plastic card companies? In this case, you want to become an attacking dog, eager to pay off your credit card debt aggressively. An important one of the big ironies of saving well is that it often comes at a cost, at least in the beginning. Monthly or bi-weekly retirement savings and deduct it from your own paycheck, just like your taxes.The easiest way to save a budget is when you don't have them in stock; you actually decide whether or not to save that money is out of your control. Be aware that the coins you save for retirement are gone, except after a while. More specifically, stay as far away from your savings account as possible. 8. Take advantage of retirement plans It may seem easy to take advantage of the program at work when your employer pays your contributions to a pension fund, but not everyone thinks so. In fact, about a third of people who have a 401(k) plan at work do not issue contributions. This needs to be considered, especially when employers offer contribution matching bonuses. Under these programs, denying contributions is tantamount to forgoing free money at compound interest. There are several types of retirement savings plans that employers can offer. Among the very best are the 401(k) plan and the ira (individual retirement account). Both have their positive aspects (see tip six disadvantages, and they are widely available in most professional and large size companies. Those who work in small businesses also have choices, as do -working ask your employer, financial manager, or the federal government about the different retirement savings accounts available.You may also want to consider contributing to a couple of accounts.Diversification is an important element of savings. 7. Diversify, diversify and diversify more The adage “don’t put all your eggs in 1 basket” applies perfectly to retirement savings financial advisors, investment bankers and economists will tell clients, that the more diverse the portfolio, the more reliable it is.A person actively involved directly in one type of investment is more vulnerable to financial difficulties if the markets associated with this investment fall. The most common suggestion of diversification is dividing the portfolio between stocks (which can offer large payouts, but can also be associated with increased risk) and bonds (treasury bills, which do not involve any risk at all, but bring less than stocks). Based on this, who you are talking to, you will be wondering what are the different percentages for dividing your portfolio between securities. One good rule of thumb is to keep your bond percentage close to your age, adjusting it as life goes on; so if you're 30 years old, about a third of your portfolio should be in bonds. By the time you retire, between 60% and 70% of your portfolio should be bonds. Don't stop with stocks and bonds when diversifying your portfolio. Look for alternative methods of spreading risk across your investments. A good idea is to invest in unrelated sectors, including pharmaceuticals and telecommunications. You should also consider investing in economies all over the world, but not jointly, all located without exception in different countries or in a single place. 6. Consider ira roth There has been a long debate as to whether ira roth is preferable, where savings are taxed when movies are paid in, or 401(k), where contributions are not taxed. Are taxed until they are deleted or until the account becomes redeemed. And so the other is due, and the 401(k) usually wins, because how long the functioning of this record was accrued enough percent to offset (and then some) taxes levied on the bodywork through the term. However, after the 2008-2009 recession, the assumption that the 401(k) will always pay off has been called into question. In addition, with the meticulous intervention of the us government in the markets then banks, it is possible that young workers who have just begun to retire will see significantly higher taxes, to estimate the cost of this financial intervention by the time their 401 (k) s mature. These two factors make ira roth noteworthy. Although paying taxes to perfection and naturally having less investment) now happens to hurt, you can re-calculate the numbers. You may lose less money in the long run. 5. Manage your mortgage If you have a house, you have both a huge debt and a critical asset. You will get the opportunity to use the apartment in your own interests, as well as sometimes and so on. If you're a young saver and own a home, it's a good idea to keep an eye on interest rates. If they start to fall, consider refinancing your mortgage at a lower rate.Using any bonuses that once went towards recurring monthly costs for your top mortgage payment can then go towards your own contributions to retirement savings. However, it is better to calculate first. Paying off growing credit card debt is likely to be an ideal use for monetizing income, since plastic cards are more likely to have a new rate than a mortgage. If the opposite is true for the user, refinancing a mortgage is naturally a good idea. Avoid the temptation to take out a second mortgage to consolidate your debt, unless you are certain that all spending habits have been reduced to corresponds to the savings mentality, and the price of paying off bank cards - and similar debts is more expensive than the monthly additional payment on a mortgage. By the time of retirement. Losing recurring monthly expenses of hundreds or thousands of dollars, like paying off a mortgage, is an instant and significant increase in income. 4. Cutting investment fees John bogle, founder of investment firm vanguard (which has over $1 trillion in assets), stresses that investment is a $600 billion industry. It's not about investments, but only about fees. To paraphrase bogle, one can say that no matter how the situation in the markets develops, investment organizations still earn more than half a trillion dollars a year. The maximum reduction in investment fees is one of the smart ways to protect your nest. Egg. What seems insignificant can be detrimental to the life of a retirement account. For example, a one-time investment of $10,000 that pays 8 percent per year over 25 years will have a repayment hour of more than $16,000 (28 percent) less with a 1 percent annual fee than no interest [source : nadart]. It will be difficult for an investor to avoid all fees through a retirement account. However, one must look around; some consultants charge less than 2d. For example, a good certified financial advisor will only charge an annual fee, usually 1 percent of the value of your portfolio. This suggests that the adviser has enough incentives to create your wealth. Other specialists are willing to charge a transaction fee in addition to the annual fee. Getting to know commissions before signing a contract with a skilled worker can save you money in the long run. Be careful about forgoing commissions, though. Part of what you pay for consulting services is experience. 3. Keep working Perhaps the least popular advice, but the most realistic. Every year the idea of leaving work for the elderly at age 65 becomes the possibility of going into retirement on social security checks. And is that visitors, as a rule, remain healthy and extremely active longer, and this suggests that, in addition, you can work longer. This leads to some liability, but this fact also gives your portfolio a chance to continue to grow in value for some time to come. Keep in mind that compound interest does accumulate over time. Few versions are available to a person who has reached adulthood. The key from the list is simply to stay in your service. You can also use a phased method, either by reducing the amount of time worked at work or by finding another, less demanding job. The disadvantage of the downward method is that its use is likely to lead to less income. Paying off your mortgage, as well as other significant current costs, and wanting to live a little cheaper for a number of years works well as long as you gradually reduce your workload. If you agree to exchange money for the weekend, it will pay off. 2. Back end financial capability You've cut corners and saved money in the last 10-15 years. You're good, but that's not touching your stash. You have diversified your portfolio well and weathered some economic downturns. Now, in case you have reached the end of your daily work life, you personally have a solid treasure chest, which is one hundred percent yours. Don't blow it. Create a limit that you can stick to before you retire. After many years of making new budgets as your net worth has become more and more positive, you should already be an expert at budgeting. Such a step does not mean that it is necessary to count on an economical life until the end of reality, just wisely.How did you always imagine yourself after starting your retirement? If it is travel, then create a travel category as a monthly expense in this retirement budget. If the client spends time relaxing with the kids, create a "spoil your grandkids" category. You can still live your retirement years doing what you love; sticking to a budget is unlikely to help you survive the stash. 1. Buy long-term care insurance Of course, this is a rather depressing thought, but one day all people will die. Unfortunately, none of us can say at what time we will die. That's why it's a good idea to buy long-term care insurance. This special form of insurance covers medical expenses that occur beyond a typical doctor's office stay. At first glance, buying long-term care insurance doesn't have much to do with saving for retirement. Remember, however, that saving wisely also sometimes involves spending. With long-term care insurance, you are actually buying a policy that protects your retirement savings. Having to waste your funds on long-term care, which can easily run into the tens or many dollars depending on the excellent performance and length of care, is not what you've been saving for all this time. Your career. How to retire early How an emergency fund works How treasury bills workHow to make a million dollars How stocks and the stock market work How 401(k) plans workCuriosity project: is it possible to reduce the financial impact of a carbon tax? Investopedia Us pensions council. Department of labor Kiplinger's advice on retirement Appleby, denise. "Instruction on pension savings for people aged 25 to 34 years." Investopedia. (Accessed march 17, 2009) http://www.Investopedia.Com/articles/younginvestors/06/tips25to34.Asp Appleby, denise. “Retirement savings recommendations for people aged 65 and over.Investopedia. (Accessed march 9, 2009) http://www.Investopedia.Com/articles/retirement/07/tips65plus.Asp Chatsky, jean. "Top 10 jean chatsky retirement tips". Msnbc. June 21, 2005 (accessed march 9, 2009) http://www.Msnbc.Msn.Com/id/8111372/ Coombes, andrea. Lower tax bill, favorable innovations, time to think about roth." Fox news. March 9, 2009 (accessed march 9, 2009) http://www.Foxbusiness.Com/story/markets/industries/lower-tax. -Bill-favorable-new-rules-time-consider-roth/ Lewis, michael. "How bank charges corrupt wall street". Bloomberg. April 18, 2002 (accessed march 9, 2002). 2009.) http://rogueeconomistrants.Blogspot.Com/2008/09/michael-lewis-on-banking-fees.Html "Good ways to start downsizing." Federal deposit insurance corporation, winter 2008/2009. About your financial future. Us department of labor. (March 9, 2009) http://www.Dol.Gov/ebsa/pdf/savingsfitness.Pdf "10 inexpensive ways to prepare for our retirement." Us department of labor. (9 march 2009) http://www.Dol.Gov/ebsa/publications/10_ways_to_prepare.Html "Understanding and comparing 401(k) fees" nadart (march 16, 2009 .) http://www.Nadart.Org/portals/0/library/pdfs/401kfees.Pdf To learn more about homes pro flooring visit our own webpage.
