Comments on: Retirement Risks http://allfinancialmatters.com/2007/01/23/retirement-risks/ A personal finance blog dedicated to discussing such topics as budgeting, asset allocation, 401K, IRA, cash flow, insurance, financial planning, portfolio management, and other areas in personal finance. Fri, 20 Nov 2009 19:56:44 -0800 http://wordpress.org/?v=abc hourly 1 By: fivecentnickel.com http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-67270 fivecentnickel.com Sat, 27 Jan 2007 03:27:52 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-67270 <strong>Weekly Roundup - 01/26/07</strong> Here’s a quick look at some articles that caught my eye over the past week: JLP talked about retirement risks. Jim talked about when frugality is a fault. Flexo is having trouble with his TIAA-CREF SEP-IRA. FMF talked about the best place to sa... Weekly Roundup – 01/26/07

Here’s a quick look at some articles that caught my eye over the past week:

JLP talked about retirement risks.
Jim talked about when frugality is a fault.
Flexo is having trouble with his TIAA-CREF SEP-IRA.
FMF talked about the best place to sa…

]]> By: Free Money Finance http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-66959 Free Money Finance Fri, 26 Jan 2007 11:23:28 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-66959 <strong>Star Money Articles for the Week of Jan. 22</strong> Here are interesting posts and news this week from the MoneyBlogNetwork members and beyond: MightyBargainHunter highlights a free how-to course. Five Cent Nickel lists the most common financial resolutions. Blueprint for Financial Prosperity tells us h... Star Money Articles for the Week of Jan. 22

Here are interesting posts and news this week from the MoneyBlogNetwork members and beyond: MightyBargainHunter highlights a free how-to course. Five Cent Nickel lists the most common financial resolutions. Blueprint for Financial Prosperity tells us h…

]]> By: jr http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-66621 jr Thu, 25 Jan 2007 13:09:09 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-66621 Deflation is also a risk. Deflation is also a risk.

]]> By: roman http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-65872 roman Wed, 24 Jan 2007 01:11:30 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-65872 It's great u r thinking about retirement early, but you should still manage it as if you'll need it in a year. It’s great u r thinking about retirement early, but you should still manage it as if you’ll need it in a year.

]]> By: Miguel http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-65835 Miguel Tue, 23 Jan 2007 21:59:45 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-65835 Being the spreadsheet junkie that I am, I decided to replicate my financial planner's model so I could run my own scenarios. Also, I just wasn't believing the shocking inflation-adjusted retirement numbers my planner was coming up with until I could replicate them myself. I'm still playing around with it, but the biggest levers seem to be: 1) The age of retirement (even a year or two can make a huge difference holding life expectancy unchanged). 2) The rate of inflation (like you said). Even a percentage point can make or break your nestegg by hundreds of thousands of dollars. 3) The withdrawl rate - there seems to be a threshold where if you exceed that threshold by even a small amount, you run out of money real fast. As my wife and I keep saying to each other - If we feel relatively unprepared and uncertain about the future, then what does that say for the other 99% of the population. Being the spreadsheet junkie that I am, I decided to replicate my financial planner’s model so I could run my own scenarios. Also, I just wasn’t believing the shocking inflation-adjusted retirement numbers my planner was coming up with until I could replicate them myself. I’m still playing around with it, but the biggest levers seem to be:

1) The age of retirement (even a year or two can make a huge difference holding life expectancy unchanged).

2) The rate of inflation (like you said). Even a percentage point can make or break your nestegg by hundreds of thousands of dollars.

3) The withdrawl rate – there seems to be a threshold where if you exceed that threshold by even a small amount, you run out of money real fast.

As my wife and I keep saying to each other – If we feel relatively unprepared and uncertain about the future, then what does that say for the other 99% of the population.

]]> By: Jake Blake http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-65821 Jake Blake Tue, 23 Jan 2007 21:07:23 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-65821 Great Blog! www.millionsinthemaking.blogspot.com Great Blog!

http://www.millionsinthemaking.blogspot.com

]]> By: eR0CK http://allfinancialmatters.com/2007/01/23/retirement-risks/comment-page-1/#comment-65816 eR0CK Tue, 23 Jan 2007 20:48:47 +0000 http://allfinancialmatters.com/2007/01/23/retirement-risks/#comment-65816 This points to some disparity that I see all the time and I feel it's a National, if not a Global issue. I realize this is a tangent, but real wages aren't keeping up with inflation. What's going to happen when we have a fallout? Depression? Long recession? And to tie this to your post, what's this mean for retirees? It just worries me, carry-on :-)! This points to some disparity that I see all the time and I feel it’s a National, if not a Global issue.

I realize this is a tangent, but real wages aren’t keeping up with inflation. What’s going to happen when we have a fallout? Depression? Long recession? And to tie this to your post, what’s this mean for retirees?

It just worries me, carry-on :-) !

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