retirement planning

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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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 Deal With Debt Before Retirement

February 6, 2012 By TheSmartRetiree Leave a Comment

How to deal with debt before retirement is a dilemma facing many baby boomers as they head into their golden years. We've spoken about baby boomers a lot lately and for good reason. The generation responsible for every major trend in the past 60 years and for taking innovation and spending to completely new levels isn't looking at retirement with a lot of enthusiasm. In fact, in a recent post at boomerplaces.com author Robert Fowler says "Its being noticed they are constantly struggling to relieve their outstanding debt burden and it seems they severely lack capital to fund their retirement." Baby boomers redefined the boundaries on creating wealth and debt. The latter seems to be the … [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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Main Retirement Planning Mistakes People Make

February 1, 2012 By TheSmartRetiree Leave a Comment

A huge retirement planning mistake caught our attention and we figured that this is one that most of us would have made without realizing it at the time. Here are the main retirement planning mistakes people make and while some of these look familiar, they are worth repeating because people keep making them over and over again. The top three are: - people start saving too late - people count on 100% of their Social Security to get them through retirement - people don't factor in inflation when calculating their retirement planning savings Okay, these are the top three and while they are common, it's never too late to alter course. In other words, if you have left it late for … [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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How Important Is Retirement Planning Anyway?

January 27, 2012 By TheSmartRetiree Leave a Comment

How important is retirement planning anyway? Well, how important is a comfortable retirement? It's amazing to see so many people still ask this question and it seems that many of the people asking are from a generation known for every major trend of the last 60 years. Yes, the Baby Boomers have been making headlines for several decades now but according to a report at accountingtoday.com, they haven't really done as good a job as they could have at planning for retirement. Many are now starting to "hang up their work clothes but have been met with issues such as a bad economy, volatile investments and a "near dead" real estate market. So can you really blame them if they fall short at … [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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How To Prepare A Retirement Budget

January 24, 2012 By TheSmartRetiree Leave a Comment

One of the keys in knowing how to prepare a retirement budget is putting down on paper exactly what it is you want from retirement. Too many people listen to what others want and assume that's exactly what they need in retirement. In most cases, it isn't. Some want to travel; others want to increase the time spent on their favorite hobby; some simply just want to relax and enjoy their time by catching up on their favorite TV shows. The fact is, if you have a preference of what it is you want in retirement then you need to declare it. Once you do, you can begin working towards making it happen. The first thing people think of in retirement planning is finances; how much will you need to … [Read more...]

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What Is A Retirement Planning Calculator?

January 23, 2012 By TheSmartRetiree Leave a Comment

We have discussed retirement calculators and their effectiveness many times at TheSmartRetiree.com but still people ask on a regular basis what is a retirement planning calculator? Or, how does a retirement calculator work? Or even is a retirement calculator worth it? The truth is, a retirement calculator is only as good as the information you put in it but we believe strongly in them for one very good reason; they seem to get some urgency going within people who can suddenly see where they are retirement-wise and how much work they need to do to get their retirement planning nest egg up to the level that will support them comfortably in retirement. What they cannot do is predict life … [Read more...]

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