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St. George Library Center Money Matters - Retirement Planning

MONEY MATTERS – RETIREMENT PLANNING

 


Retirement Planning Video:

 

http://youtube.com/watch?v=v2uWPMcgr1c

 


Life Expectancy Reality Check:

 

http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html

http://msrs.state.mn.us/info/Age_Cal.htmls

http://northwesternmutual.com/learning-center/the-longevity-game.aspx

 


Other Planning Resources:

 

http://extension.purdue.edu/retirement/

http://crr.bc.edu/

http://ebri.org/surveys/rcs/

 


Retirement Readiness Rating (R³):

 

http://ebri.org/surveys/rcs/2000/dis_rrr.cfm

 


The Ball Park Estimate:

 

http://choosetosave.org/ballpark/

 


Retirement Planning Tips:

 

1.  Start Saving Early

http://moneychimp.com/calculator/compound_interest_calculator.htm

2.  Save the Maximum Allowed

http://irs.gov/retirement/participant/article/0,,id=219923,00.html

3.  Invest Tax-Deferred

http://calcxml.com/do/inv07

4.  Determine Your Net Worth

http://njaes.rutgers.edu/money/pdfs/networthcalcworksheet.pdf

5.  Estimate Retirement Living Costs

http://planit.cuna.org/11213/article.php?doc_id=516

6.  Evaluate Early Retirement

http://njaes.rutgers.edu/money2000/pressroom/release.asp?id=127

http://www.axa-equitable.com/retirement/early-retirement-offers.html

7.  Retire While You Work

http://money.cnn.com/2007/06/20/magazines/fortune/stanleybing/100115991.fortune/index.htm

8.  Try a Monte Carlo Calculator

https://www3.troweprice.com/ric/ricweb/public/ric.do

http://flexibleretirementplanner.com/wp/

9.  Beware of Retirement Stampedes

http://sj-r.com/top-stories/x1780493435/Quinn-to-employees-Dont-rush-to-retire

http://timesunion.com/local/article/Public-workers-rush-to-avoid-Tier-VI-pension-plan-3445858.php

10.  Get Serious in the “Red Zone”

http://retirementredzone.prudential.com/view/page/rrzone

 


Sources of Retirement Income:

 

http://socialsecurity.gov/policy/docs/chartbooks/fast_facts/

 

 
Salary Reduction Plans:

 

http://personalfinance.byu.edu/?q=node/910

 


Defined Benefit Plans:

 

http://investopedia.com/terms/d/definedbenefitpensionplan.asp#axzz1yeE5vcgS

 


Vesting Period:

 

http://osc.state.ny.us/retire/members/vesting.htm

 


Individual Retirement Accounts:

 

http://irs.gov/retirement/article/0,,id=111413,00.html


 

Small Business Retirement Accounts:

 

http://irs.gov/publications/p560/ch02.html

 


Retirement Withdrawal:

 

http://moneysmartsblog.com/4-percent-withdrawal-rule-for-retirement/


 

Required Minimum Distribution (RMD) Rules:

 

http://njaes.rutgers.edu/money/ira-table.asp