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Personal Finance, Banking, Debt, & Investments: Retirement

A research topic guide covering personal finances and debt.

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Research & Reference

A Quarter Of Americans Have No Retirement Savings

Infographic: A Quarter Of Americans Have No Retirement Savings | Statista You will find more infographics at Statista

Saving for Retirement

When should you retire? And how do you save enough to ensure that you're financially covered for the future? Demystify the retirement savings process with continuing guidance from the life cycle theory of managing money. Explore the different investment options at your disposal - including 401(k)s, IRAs, and annuities - and build a strategy for retirement.

Source: Kanopy

Perspectives

Falling Short: The Coming Retirement Crises and What to Do About It

The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility haveshifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security.Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasingincome needs-due to longer lifespans and rising health costs - and decreasing support from Social Security and employer-sponsored pension plans.The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fullyautomatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.

The Retirement Plan Solution

Praise For The Retirement Plan Solution "Short, clear, complete, and always interesting. Best book on DC plans and what we should do-now." --Charles D. Ellis, author, Winning the Loser's Game "At a time when the world is in turmoil, along with retirement expectations, the authors have hit a home run. After reading this book, I have a plan. Read it for your path to retirement security." --Dallas Salisbury, President and CEO, Employee Benefit Research Institute "The Retirement Plan Solution offers a refreshing and provocative perspective on how to assess retirement needs, save to meet these needs, and manage the retirement payout process. In this time of financial turmoil, employees, plan sponsors, and financial advisors will find this highly practical resource volume both useful and humorous." --Olivia S. Mitchell, Director, Pension Research Council, Wharton School "The Retirement Plan Solution is a map to the future of 401(k) retirement plans. But it is not just a theoretical view of what could be. Instead, the authors describe the needs and trends that are already here, and then describe the changes that are developing to meet those needs. It is about the tomorrow that is happening today." --Fred Reish, Managing Director, Reish Luftman Reicher & Cohen "The respected authors have created a readable, timely, and very helpful book on all aspects of retirement planning. The suggestions are practical, the information is concise, and the book is highly recommended for anyone that is interested in sound financial planning." --Moshe A. Milevsky, PhD, Finance Professor, York University, Toronto, Canada "This is a must-read for people working in the retirement industry, as well as those who simply care about how to improve their chance of reaching a financially secure retirement. In a clear and simple fashion, the authors deliver one of the best books to date on inefficiencies in the current DC plan and potential improvements." --Peng Chen, President, Ibbotson Associates

Why Retire?

Growing older in the twenty-first century -- Rethinking retirement for nurses -- Nurses in the third age -- Planning for nursing fulfillment in the third age years -- Redirecting the career, a model -- Retaining senior nurses -- Creating tomorrow's nursing workforce.

Common Sense Retirement

Teaches how retirement plans work and how to manage mutual funds as you get ready to retire and throughout retirement. Uses simple, easy to understand examples. Includes multimedia CD-ROM which actually reads the more difficult to understand chapters and provides a powerpoint like presentation to help readers get a better grasp of the concepts presented

The Retirement Gamble

Ten trillion dollars in Americans' retirement savings are invested in large and small accounts managed by banks, brokerages, mutual funds, and insurance companies. But whether your IRA or 401K will assure a safe retirement is largely a gamble. Building off reporting from the groundbreaking special Money, Power and Wall Street, FRONTLINE raises troubling questions about how America's financial institutions protect our savings. The Retirement Gamble reveals how fees, self-dealing, and kickbacks bring great profits to Wall Street while imperiling the prospects of a secure future for individuals. The film questions who has the consumer's best interests in mind, and whether there is a better way to manage our retirements.

Source: Kanopy