19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site
Go To Retirement

A Baby Boomer's Journey from Retirement Planning to Retirement Living

You are here: Home
Securing Your Retirement Income
19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site Creating a Plan for Guaranteed Retirement Income

Regular readers of this blog may recall that I have been studying the work of Zvi Bodie, a professor of finance at Boston University. (I mentioned Prof. Bodie in my post on Retirement Income and the Myth of Equity Risk.) After much consideration, I’ve decided to adopt Prof. Bodie’s concepts into our retirement income plan. More particularly, I have created a plan to provide guaranteed retirement income. I will explain.

[Read More…]

Retirement Planning for Baby Boomers
19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site What is New with this Baby Boomer? Plenty

I’m back again after a long blogging layoff. It’s not that I didn’t have anything to write about. I was just concentrating on life as it happened, pushing the reflection and writing to the back burner. Now I seem to have a little breathing room. So I will update you. Please read on if you are interested.

[Continue Reading…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site The Complexity of Working with Medicare, Social Security and Health Savings Accounts

I called the national Social Security phone line last week to discuss survivor benefits. (More on that later.) Of course, the person I spoke with could not actually process my claim.  Instead, he had to schedule a future telephone appointment to do that, with my local Social Security office. The first available appointment time was in August. Keep that in mind if you need to apply for a benefit that cannot be processed online. Before I called to file a claim, I did a lot of research on what I was about to do. Given my circumstances, determining the optimum filing strategy was quite complicated.

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9

[Continue Reading…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site Building My Retirement Spending Plan

I finally got busy this week doing a lot of work on my retirement spending plan. This has been a work in progress for several years as I have acquired TIPS and I-Bonds as part of my Failsafe Retirement Plan grand strategy. But interesting things are happening (including getting older) and the time has come for me to get more specific with a plan for how I am going to use my retirement assets to provide spending money. I’ll try to explain my logic without giving too much away or boring you.

[Continue Reading…]

More Posts About Retirement Planning

Investing for Retirement
19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site The Sequence of Returns Retirement Risk

I hope that most baby boomers who are close to retirement have developed a fundamental understanding of the “sequence of returns” risk as it applies to their retirement security. In a nutshell, the sequence of returns risk tells us that the annual returns on our retirement investments do not by themselves determine whether our retirement nest egg will support us until we die. Rather, we must also carefully consider when those returns occur. For example, a significant market downturn at the commencement of our retirement – say at age 65 – is much more dangerous than if the same downturn occurs ten years later, at age 75. Let’s think more about this for a minute.

[Read More…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site Predictable Retirement Income from Target Date Bond Funds

This past fall and winter I added some new investments to my retirement portfolio. The investments are known as target date bond exchange traded funds. Sometimes they are referred to as “target maturity” bond funds.  This type of investment is new.  The target date bond ETF category shows great promise for providing bond-like retirement income with little or no interest rate risk.

[Read More…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site First Quarter Net Worth Analysis

Although I have been slow posting in recent months (now being remedied), I have continued to track my net worth as I move ever closer to retirement. (I say “ever closer” despite not having selected a retirement target date.) I have also made some recent changes in my investments with others planned in the coming weeks. The objectives for these changes are to a (a) increase certainty of income in future years and (b) simplify.  I will write more about these changes next week.

[Read More…]

More Posts About Investing for Retirement

Info for Baby Boomers
adidas Men’s Predator Flare (SG) Rugby Shoes - , Mens H By Hudson Angus Brogue Leather Lace Up Smart Ankle Boots - , Etnies Men’s Fader Ls Skateboarding Shoes - GRRONG Men s Leather Shoes Leisure Genuine Leather Black Brown - , Rossellini Mens Smart Lace Up Pointed Toe Brogue Formal Patent Leather Lined Shoes - , Mustang 4064-311, Men’s Low-Top Sneakers - Asics Unisex Kids’ Mexico 66 PS Trainers - , Le Coq Sportif Men’s Turin Leather/Chambray Trainers, Brown - Sidewalk Sanuk Surfers Commodore brown - New Look Men’s Calvin Espadrilles - , Gola Equipe Suede, Men’s Low-Top Sneakers - , GO WEST Men s Boots - , TOMS Unisex Kids Alpargata Core Espadrilles - , Lloyd Men s Loafer Flats Blue Blue 8.5 - Magnum Unisex Protector ST Work Boot - , Fabric Mens Mercy Slip On Trainers Sneakers Shoes Flats Loafers Casual - , Grafters Mens S3 SRC Leather Waterproof Safety Boots Brown - CFP 8327 Mens Slip-on Studden Casual Loafers Driving Flannel Sneakers Yellow UK Size 6.5 - , Vans Milton M, Men’s Sneakers - Nike Zoom Stefan Janoski, Men’s Closed-Toe - , Lacoste Marcel CSU2 SPM - Osiris Men s Skateboard Shoes D3 2001 - , Vans 106 Vulcanized Sneaker Black / Chili Pepper - Art Men’s Soma Boots - Cheiw 47085, Girls’ Sandals - , La Sportiva Bushido Trail Running Shoes - SS18 - Skechers Men Navy Rough Cut Trainers - , Gola Men’s Coaster Linen Low-Top Sneakers - , Cetti C1092, Men s Shoes with Removable Insole, Blue Suede -
19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site BLACK GARDENS 4840 blue ocean sports men s shoes stylish brogues - , Spirale Mens Snow Boots Black Schaft: schwarz, grau-silber abgesetzt, Sohle: grau Size: 46 - Flashez V2 LED Sonics - Blue Light up Trainers Flashing Rechargeable Footwear Festival Party Concert Latest Boys Girls Mens Womens 2018 Blue , CFP 8339 Mens Pumps Lace Up Leisure Cozy Charming Comfy For All Occasions High Top Leather Boots Brown(Plus Wool... - , Pepe Jeans Men’s Sailor Basic Espadrilles - , Lacoste Sevrin Mid 316 1, Men’s Low-Top Sneakers - Vans Unisex Authentic 44 DX (Anaheim Factory) Blk/Chck Skate Shoe 9 Men US / 10.5 Women US - Sebago Men039;s Loafers, Colour Light Brown, Brand, Model Men039;s Loafers 160057S Light Brown - , Men s Clarks, Plateau Class Slip-on casual Shoes TAN LEATHER 12 M - yalanshop Solid color satin shallow mouth single shoes fine with video thin career temperament tip of ultra-high... - Mens G.H Bass Weejuns Layton Moc Kiltie Loafer Work Office Leather Shoes - ara Men s 24403.07 Boots - JIASUQI Kids Barefoot Swim Water Skin Shoes Aqua Socks for Beach Swim Surf Yoga Exercise Beige/Dolphin , Laiwodun Men Women Water Shoes Mc-yellow Diesel Men’s SKB S-Kby Knit Sneaker, Black, 8 UK - CHAMARIPA Mens Black Leather Elevator Lace up Shoes with Height Increasing Insoles Taller 7.5CM/2.95 Inch-DX70H106S - Easy Peasy Unisex Babies’ Blumoo Plumetis Slippers - , Skechers Equalizer Persistent Men Low-Top Sneakers Grey (Charcoal) , Mens Grafters Super Wide EEEE Leather Dealer Safety Work Boots - OPP Men s Retro Mid-Top Boot Leather Shoes Side zipper Design - , Hoka One One Clifton 4 Diva Blue True Blue - , Reebok Girls’ Classic Patent Trainers - Cotswold Mens Bredon Lace Up Leather Hiking Boots - , JD Williams Mens Trustyle Canvas Espadrilles Stripe , Goor SYLVESTER Mens Faux Patent Leather Loafers Black Black , Icegrey Men s Fashion Sandals Black Men s VITELO Classic Monk Leather Shoes M 47 Black Suede , Lukpol Genuine Buffalo Leather Mens Comfortable Orthopedic Sandals Model-803/1 Cognac , fankou The Cool Summer sandals men s household indoor anti-slip bathroom shower thick, soft base for couples beach slippers female,35, Red - , Mens Dealer Boot Waxy Brown Losing One of My Super Heroes

It’s hard for me to believe that I’ve been away from writing with Mark on this blog for so long! It’s been far too long! So much has happened during that time. Many wonderful things, people and events have come into my life. But, I’ll defer to Mark and let him catch up on some of these great happenings.

I want to turn my thoughts instead to other, more somber, areas: grief, gratitude and healing.

[Read More…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site Celebrating Age 65 With My High School Class

Let’s start by acknowledging that my high school class of 1969 likes to party. Thanks to the hard work by one of our loyal classmates and her helpers, we’ve had full-blow reunions every 5 years since graduation. (I’ve been to every reunion starting at 20 years post-graduation.)  Our class motto was “Class of ’69 Drinks Bud.”  (Technically, this was an unofficial motto because it appeared in print only once – on a large helium balloon attached by a group of us to the top of our high school flag pole during senior week.)  Last weekend, we collectively affirmed our partying ways when 70 of us returned to Ithaca for a class 65th birthday party.

[Read More…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site Communicating Financial Information to Your Family and Heirs

I recently revised and update my plan for communicating information about my finances and online life to my three sons. I did this to make it easier on them when I die and to make it easier on me if, before I die, I become ill to the point that I cannot handle my own affairs.

[Read More…]

19997 - B077VVKYSGDUNK580211GR-PARENT - 74093b9 - poyigut.site

More Posts for Baby Boomer Info