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The Great Retirement Rethink
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Good practices for planning retirement in today's environment. Delaying retirement and working longer is important to increase the amount of money available for retirement, especially in today's low return environment. Avoiding increasing the ratio of stocks to bonds and cash beyond the 40% that has become an established practice is important say experts. The 4% rule for withdrawals after retirement should be modified to 3% because of uncertain returns in today's environment. Delaying Social Security adds 8% each year to monthly benefits, says one expert, making this an important and necessary practice in planning for retirement for all Americans.
Good practices for Americans approaching retirement in today's environment
02/19/2011
Vanguard Group says the current median contributions to 401 (K) and savings accounts in 9%, including an employer contribution of 3%. This is too low and Vanguard is recommending a 12-15% annual contribution.
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