retirement plan

Retirement Planning Advice For Women

February 20, 2012 By TheSmartRetiree Leave a Comment

More retirement planning advice for women is being made available or so it seems. Women are less likely to think about or get a retirement plan going than men according to most research and it seems that could be about to change. If you are thinking seriously about retirement planning as a woman then that's a great start because it seems awareness of planning for retirement for women seems to be one of the major stumbling blocks. Women are more likely to veer off course because of things such as parenting and caregiver responsibilities. While this is an exceptionally important time, the fact that many will forget about their long term plans is a real worry. A report at marketwatch.com … [Read more...]

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How Late Can You Start Saving For Retirement?

February 16, 2012 By TheSmartRetiree Leave a Comment

So, how late can you start saving for retirement? When is it too late to start a retirement plan? The truth is, it's never too late. Saving becomes a habit and it's a habit you want to get into. A report at recordonline.com says it's never to late to start planning for retirement. But while this is so, things have changed from a couple of decades ago with investment strategies and vehicles changing with the times. Now, 401Ks are all the rage along with other types of tax advantaged accounts and this is something you need to get used to otherwise using tired old methods will more than likely have a negative impact on your savings. But the bottom line is, never think you are too late in … [Read more...]

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How To Increase Your Retirement Nest Egg

February 14, 2012 By TheSmartRetiree Leave a Comment

We have come across four of the best tips on how to increase your retirement nest egg and give yourself to enjoy a long and prosperous retirement. Problem is, if you are still many years away from "hanging up the work boots" it's likely that many of you will get a tinge of excitement and then forget everything you have learned today. Now we are not being smart when we say this or mean to offend but the truth is, most people who are at least two decades away from retirement will have an attitude of "it's still a long way off and it doesn't concern us right now". But it does and the sooner you get going in either starting a retirement plan or boosting your current plan or making sure … [Read more...]

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Should You Contribute More To Your 401K?

February 13, 2012 By TheSmartRetiree Leave a Comment

So, should you contribute more to your 401K? In a word, yes. If you are contributing to a company matched 401K then the issue of whether you should contribute more shouldn't really be one. I remember only too well several years ago when I finally landed the job of my dreams and was offered to have my 401K contributions matched that there had to be some sort of mistake. I was very aware about setting up a retirement planning savings account at a young age but when I was told my contributions would be matched dollar for dollar my initial reaction was "this must be a scam!" Well, it wasn't and the term "no brainer" can definitely be applied to this. It's free money. Why wouldn't you? A … [Read more...]

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How To Save More Money For Retirement?

February 2, 2012 By TheSmartRetiree Leave a Comment

So, how to save more money for retirement? Today, A set of tips on how to increase your retirement savings. The article is based on a set of new year resolutions but these are such important tips that they will apply to you at anytime of the year. The general theme revolves around one important aspect when saving for retirement; reassess and readjust. This is a theme that seems to be on the urgency list for many retirement planning advisers today and it's no wonder. With the stock market volatile, real estate struggling and the economy in general "in a hole", simply creating a nest egg and then rechecking it just before retirement day doesn't really make sense. The report at … [Read more...]

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What You Need To Know About Social Security In Retirement?

January 31, 2012 By TheSmartRetiree Leave a Comment

I saw a headline recently which said..."what you need to know about Social Security"? We thought we'd take it one step further and look at what you need to know about Social Security in retirement? Because right now, there is a strong feeling among financial experts that Social Security on it's current path, won't be available by mid 2030. Does that concern you? If you are retiring in the next couple of years there's a strong chance you won't be affected. But then again, people are living a lot longer today than when Social Security was first introduced and you could well live to close to 100 years. Again, does that concern you knowing that the experts are extremely worried Social … [Read more...]

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Is It Hard Planning For Retirement?

January 30, 2012 By TheSmartRetiree Leave a Comment

So, is it hard planning for retirement? What concerns should you have about retirement? Is planning for retirement different to the way my parents did it? Lots of questions are being asked today from concerned folks about their retirement planning and for good reason. Retirement has become a hot topic, not because it promises to provide people with everything they have been planning for during the course of their working lives but more so because it won't. Unless you have been "burying your head in the sand" then you know that things economically are not good. Real estate especially is one of the biggest drawbacks for baby boomers as they head into retirement. Many would have been … [Read more...]

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Best Steps To Retirement Planning

January 26, 2012 By TheSmartRetiree Leave a Comment

Getting Started In Financially Secure Retirement

The best steps to retirement planning start with making a plan. Not earth shattering advice but this is the step most people get wrong. It's like a ship sailing around a harbor without a destination; that's how many plan for retirement. So male a plan so you have an end goal to reach. The next step is to become a little savvy and understand what a retirement plan involves. No, we are not talking about becomes a world renowned expert on the subject; just understand what it is you are about to do. Going in to talk to a retirement planning expert is a great move but we recommend you don't do this until; you have researched what is available and know how retirement planning works. This is … [Read more...]

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Main Retirement Planning Mistakes To Avoid

January 10, 2012 By TheSmartRetiree 2 Comments

The main retirement planing mistakes to avoid could be narrowed down to a couple of "culprits". One of the things that gets us a little edgy is when people spend a lot of time trying to make sure everything is perfect before they even think about investing in a retirement plan. What do we mean by this? Well, the biggest mistake in retirement planning in our opinion is not participating. It's as simple as that. Many folks know they need to be saving for retirement but for some reason, when it comes to the crunch time they just don't do it. The other main mistake of retirement planning revolves around not contributing enough. Okay, so you have finally decided to start saving and … [Read more...]

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Why You Need A Financial Plan In Retirement

January 5, 2012 By TheSmartRetiree Leave a Comment

It is one of the most asked questions we see at TheSmartRetiree.com...do I need financial plan in retirement? Well, our response is this is why you need a financial plan in retirement... When you go to see a financial retirement planner one of the first things they'll ask you according to a report at blogs.smartmoney.com is do you have a written retirement plan. Notice we said written; having one in your head is not advisable and while some savvy people might be able to get away with it, having a written plan means you have made a commitment to save for retirement. Does that make sense? The report reveals some startling statistics about people's habits when it comes to retirement … [Read more...]

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