Retire Worry-Free, 4th Edition by Editors of Kiplinger's Personal Finance

By Editors of Kiplinger's Personal Finance

The specialists at Kiplinger's own Finance journal clarify how readers of every age can first ascertain how a lot they will desire, then the best way to fill the space among that quantity and what they're going to get from social defense and pensions. Their concepts may also help readers make investments correctly, maximize merits from corporation reductions plans, pick out the simplest IRA plan for his or her wishes, and deal with early-retirement deals, lump-sum payouts and coverage matters.

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As you plan for your retirement, your debt-management strategy should have two key aims: ■ Before you can get serious about a retirement savings plan, you need to do something about unnecessary and costly debt. keeping the cost of necessary debt as low as possible by using the simple strategies that we describe in this chapter; and ■ keeping discretionary debts to a minimum—zero is your goal. Being in hock can be damaging in several ways. It costs you money and thwarts your ability to save for retirement.

Use the money-tracking worksheets on pages 34-35 and 36-37 to get going, adding as many categories as you want. Each column of figures will represent one month’s spending, so label them accordingly. Consider Retirement Savings a Fixed Monthly Expense D on’t forget to set up a monthly expense category for regular retirement savings. After all, the goal here is to track down and lasso some savable funds. Consider your personal retirement savings a fixed expense—shoot for 15% of your net income if you can swing it.

Nearly all large companies—those with 500 or more employees — have tax-deferred retirement plans of some kind. The most common type is an excellent plan called a 401(k), which we’ll explain in detail later. Most of the biggies offer a 401(k) in addition to a cash-balance plan, which replaces the traditional “defined-benefit” plan that pays retirees a fixed monthly benefit based on their salary and length of service at the company. Every employer, whether General Motors, city hall or a small local company, puts a little different spin on its retirement-benefits package.

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