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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.
Grouped Articles
Big 401(k) Mistakes … and How You Can Avoid Them
Wall Street Journal 04/13/2013
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
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
An About-Face for the Stock Market’s 5-Year Return
New York Times 02/15/2014
For Americans living overseas in retirement the countries chosen are in this order- Canada the largest, next come Japan, Mexico, Germany. France, Greece, Poland, UK, also have a large number of retired Americans. Over 360,000 Americans live a retired life overseas.
Grouped Articles
Choosing to Live Abroad in Retirement
New York Times 11/14/2014
Wall Street Journal 12/29/2014
How to Keep Your Portfolio on Track
Wall Street Journal 01/04/2015
Basic things one should know about saving for retirement.
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
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
Experts cite the Vanguard and Fidelity Retirement Funds allocation of 45% to stocks at age 65 following 110 minus the age, and other experts cite research for a 55% allocation. The importance of concepts risk horizon and risk tolerance used together. The need to look at one's own situation carefully and spending needs in retirement. The risks of too little allocation in the near zero interest environment and the risk of very high allocation to stocks is emphasized.
Grouped Articles
Do Retirees Take Too Much or Too Little Risk With Their Investments?
Wall Street Journal 08/16/2014
How to Keep Your Portfolio on Track
Wall Street Journal 01/04/2015
Are Fund Managers Doomed? Making the Case for Passive Investing’s Triumph
WSJ 10/18/2016
The Mental Mistakes We Make With Retirement Spending
WSJ 04/24/2017
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
Grouped Articles
Rethink Your Retirement Income
Wall Street Journal 12/21/2013
Wall Street Journal 03/05/2012
Coping When Not Entering Retirement Together
New York Times 03/21/2014
Wall Street Journal 03/04/2013
The Health-Care Mistake Retirees Make When Relocating
Wall Street Journal 04/04/2014
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
The lower savings levels in the U.S. as workers approach retirement and mistakes to avoid.
Grouped Articles
Why Many Retirees Could Outlive a $1 Million Nest Egg
New York Times 06/08/2013
Coping When Not Entering Retirement Together
New York Times 03/21/2014
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
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