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The situation confronting the baby boom generation as it retires in the U.S. The stock market boom-bust cycles of 2000-2002 and 2006-2008 have hurt the 401(K) retirement accounts of most Americans. High unemployment and the housing crisis with many home owners under water has only worsened the situation. The difficult situation for seniors earning little interest on their savings. The problem of outliving ones savings for seniors with their money invested in bonds in a low interest rate environment. The median savings of Americans of close to $10,000 with only 10% of Americans having saved about $1 million by age 65. Longevity today means Americans are likely to live to age 85.
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New York Times 06/08/2013
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New York Times 06/15/2013
Low Interest Rates Are Squeezing Seniors
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Chuck Schwab Is Worried About Small Investors. Should We Worry Too?
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An About-Face for the Stock Market’s 5-Year Return
New York Times 02/15/2014
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Wall Street Journal 09/14/2011
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Chuck Schwab Is Worried About Small Investors. Should We Worry Too?
BusinessWeek 05/27/2010
The Case for Dividend Funds in Retirement
Wall Street Journal 04/15/2014
Hiring Booms, but Soft Wages Linger
Wall Street Journal 01/10/2015
Basic things one should know about saving for retirement.
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Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
The Case for Dividend Funds in Retirement
Wall Street Journal 04/15/2014
The Five Big Lies of Retirement Planning
Unknown 04/17/2014
10 Scariest Money Mistakes—Don't Be Tricked!
Unknown 04/17/2014
Five Big Investments You Don't Know You Have
Wall Street Journal 05/12/2014
The difficult situation of seniors earning little interest on their savings.
Grouped Articles
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Low Interest Rates Are Squeezing Seniors
Wall Street Journal 03/30/2010
Chuck Schwab Is Worried About Small Investors. Should We Worry Too?
BusinessWeek 05/27/2010
The Case for Dividend Funds in Retirement
Wall Street Journal 04/15/2014
The Five Big Lies of Retirement Planning
Unknown 04/17/2014
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.
Grouped Articles
Big 401(k) Mistakes … and How You Can Avoid Them
Wall Street Journal 04/13/2013
Wall Street Journal 09/03/2011
Burton G. Malkiel: You're Paying Too Much for Investment Help
Wall Street Journal 05/28/2013
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Vanguard Takes Fund Crown From Pimco
Wall Street Journal 11/05/2013
Points to consider are the market conditions when entering retirement, the lower income on bonds, inflation, unforeseen or hidden expenses, and life expectancy. A lower P/E 10 ratio for the market is considered better than a higher P/E ratio- the current P/E 10 ratio reflecting past 10 years of earnings is about 23 according to Shiller.
Grouped Articles
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Chuck Schwab Is Worried About Small Investors. Should We Worry Too?
BusinessWeek 05/27/2010
Rethink Your Retirement Income
Wall Street Journal 12/21/2013
Wall Street Journal 03/05/2012
The Case for Dividend Funds in Retirement
Wall Street Journal 04/15/2014
A U.S. Senate report shows a huge $6.6 trillion deficit in retirement savings in 2013, which comes to about $57,000 per American household. Only a small part of the population benefits from the gains on the stock market- most have suffered from the losses suffered following the 2008 financial crisis, depletion in savings from periods of unemployment, lower paying jobs, little or no interest on savings accounts, and additional stress from rising student debt and medical costs.
Grouped Articles
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Chuck Schwab Is Worried About Small Investors. Should We Worry Too?
BusinessWeek 05/27/2010
Rethink Your Retirement Income
Wall Street Journal 12/21/2013
Wall Street Journal 03/05/2012
Dismal Science Takes Dim View of Dow 'Record'
Wall Street Journal 03/06/2013
For many the experiences of parents postponing retirement because of low savings, or facing unemployment and foreclosure, are leading to debt reduction and lower credit card use. Younger workers in the U.S. in 2012-2013 are also contributing more to 401 (K) plans. Vanguard says the median annual contribution to 401 (K) and retirement savings accounts is 9%, including a 3% employer contribution. Vanguard says this is too low and is recommending Americans contribute annually 12-15%.
Grouped Articles
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Wanted: Jobs for the New 'Lost' Generation
Wall Street Journal 09/14/2013
Wall Street Journal 03/05/2012
Economy Fitful, Americans Start to Pay as They Go
New York Times 02/05/2008
Deleveraging: It's Not Over Till It's Over
Wall Street Journal 03/11/2009
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