A study by the Putnam Institute, “Defined Contribution Plans: Missing the forest for the trees?” contends that while a number of variables, such as fund selection, asset allocation, portfolio rebalancing, and deferral rates all contribute to a defined contribution plan’s effectiveness — or lack thereof — it is deferral rates that should be placed near […]
Archive for the
‘Retirement Planning’ Category
New research conducted by the Society of Actuaries (SOA), a leading membership-based organization for actuaries in the United States and Canada, revealed that older Americans are living longer than previously estimated. Specifically, SOA’s data showed that since its last report published in 2000 the life expectancy of men age 65 has risen two years from age 84.6 […]
Most understand that waiting to claim Social Security benefits can result in higher monthly payments. However, many don’t understand that there are other ways to maximize their benefits, some of which depend on their marital status.[images style=”2″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FSocial-Security-Treasure-300×353.jpg” width=”300″ align=”right” top_margin=”20″ bottom_margin=”20″ left_margin=”20″ right_margin=”20″ full_width=”Y”]Understanding the strategies for maximizing your Social Security retirement income benefits […]
One of the most common questions people ask about Social Security is when they should start taking benefits.This is the $64,000 question. Making the right decision for you can have a meaningful impact on your financial income in retirement.Before considering how personal circumstances and objectives may play into your decision, it may be helpful to […]
Social Security can be complicated and, as a result, many individuals don’t have a full understanding of the choices they may have. Here are five facts about Social Security that are important to keep in mind:[images style=”2″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2F5-Social-Security-Cards-237×300.jpg” width=”237″ align=”right” top_margin=”20″ bottom_margin=”20″ left_margin=”20″ right_margin=”20″ full_width=”Y”] 1. Social Security is a Critical Source of Retirement Income […]
For most Americans, Social Security has represented nothing more than some unavoidable payroll deduction with the positively cryptic initials of “FICA” and “OASDI” (Federal Insurance Contributions Act and Old Age, Survivors and Disability Insurance). It hinted at a future that seemed both intangible and faraway.Yet, now a generation sits on the cusp of drawing on […]
Next to “When should I claim Social Security benefits?”, one of the more common questions people have is “How much will I receive?”[images style=”2″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2FSS-Card-with-100-250×166.jpg” width=”250″ align=”right” top_margin=”10″ bottom_margin=”10″ left_margin=”10″ right_margin=”10″ full_width=”Y”]Calculating your potential Social Security benefit is a three-step process: Calculate Your Average Indexed Monthly Earnings (AIME): The highest 35 years of indexed earnings […]
Knowledgeable investors are aware that investing in the capital markets presents any number of risks—interest-rate risk, company risk, and market risk. Risk is an inseparable companion to the potential for long-term growth. Some of the investment risks we face can be mitigated through diversification.¹As an investor, you face another, less-known risk for which the market […]
Sometimes people put off saving for retirement because so many other things seem to get in the way. Do you find yourself among them? If so, try to overcome the urge to procrastinate and start saving as soon as possible. When it comes to investing for long-term goals, time can be a powerful ally. Time […]
As the IRS released the 401(k) contribution limits for 2015, attention turned, as it has in prior years, to the large number of plan participants who come nowhere close to contributing these amounts. In contrast, many individuals use their 401(k) accounts as a means to pay off loans and other current expenses.[images style=”2″ image=”http%3A%2F%2Frebelfinancialllc.com%2Fwp-content%2Fuploads%2F401k-Maze-250×170.png” width=”250″ […]
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