Every eighth American aged 65 and older has Alzheimer’s disease, and 43% of Americans aged 85 and older have it, according to the Alzheimer’s Association. Consider those percentages in light of the Social Security Administration’s estimate that about 25% of today’s 65-year-olds will live past age 90. These shocking statistics have serious implications for family wealth.1,2
Will your heirs receive a fair share of your wealth? Will your invested assets go where you want them to when you die?
If you have a proper will or estate plan in place, you will likely answer “yes” to both of those questions. The beneficiary forms you filled out years ago for your Individual Retirement Account (IRA), your workplace retirement plan, and your life insurance policy may give you even more confidence about the eventual transfer of your wealth.
One concern still remains, though. You have to tell your heirs that these documents exist.
The two should not be confused.
What is risk? To the conservative investor, risk is a negative. To the opportunistic investor, risk is a factor to tolerate and accept.
Whatever the perception of risk, it should not be confused with volatility. That confusion occurs much too frequently.
Little things to keep in mind for life after work.
Yes, you can take an IRA distribution in the form of an investment.
Building a nest egg often competes with other financial obligations.
Saving for retirement involves several levels of financial planning. You need to get and stay out of medical, credit card and other types of debt. And you must resolve to invest a part of your income on a regular basis. If you save in the right places, you might get some help from your employer or qualify for tax breaks. You will also need some cash on hand to cope with emergencies without disrupting your savings plan. Here's how to get your financial priorities in order so you can accumulate a nest egg for retirement.
A look at some of the ideas contained in the 2017 federal budget.
One bad trading day is not the year.
An increasing number of Americans are facing an uphill battle just trying to save enough and earn enough on their savings to be able to retire on time.
If you had a timeline of the financial steps you should probably take in life, what would it look like? Answers to that question will vary, but certain times of life do call for certain financial moves. Some should be made out of caution, others out of opportunity.
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