Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers' path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they'll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles -- but makes them simple enough for anyone to apply on their own.

Award-winning personal finance columnist read by millions of people each week The Incredibly Simple, Step-by-Step Guide to Investing Money for Your Future! “A cover-to-cover must-read for everyone 16 to 60 who wants to live the American Dream. The earlier we choosetosave®, the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here.” –Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org) “Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!” –Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score “This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire–without living on canned food or buying lottery tickets–if you follow Gail’s realistic strategies for saving, investing, and ultimately spending money in retirement.” –Susan Tompor, Detroit Free Press “You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I’m thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph.” –John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power Drawn from responses to questions from over 20,000 readers of the author’s personal finance columns. Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it’s never been clearer what you need to do and how to do it. Don’t wait another day! Discover… How much you’ll need and how to get there…even if you’ve fallen behind Exactly how to set up IRAs, 401(k)s, or 403(b)s in minutes and pocket your tax money How to harness the money-making power of the stock market How to pick the right mutual funds confidently with simple strategies and specific recommendations Incredibly easy, safe investing strategies based on professional money-management techniques "Gimmick-free" investing shortcuts that won’t backfire on you How to keep debt from making you poor How to get reliable help if you need it…and avoid incompetents or scam artists How the new 2006 pension laws affect you MarksJarvis eliminates the insider jargon, confusion, and math…takes the mystery out of the stock market…simplifies investing techniques…answers all your questions…clears away every obstacle in your way so you make money without taking foolish risks. She’s already done it for millions, in the nation’s top newspapers and most popular financial radio and TV shows. Now, she’ll do it for you, too! Introduction 1 Start Investing Early, or Start Now 1 2 Know What You'll Need 9 3 Savings on Steroids: Use a 401(k) and an IRA 39 4 An IRA—Every American’s Treasure Trove 59 5 IRA Decisions: How to Start, Where to Go 65 6 Why the Stock Market Isn't a Roulette Wheel 89 7 What's a Mutual Fund? 105 8 Making Sense of Wacky Mutual Fund Names 115 9 Know Your Mutual Fund Manager's Job 127 10 The Only Way that Works: Asset Allocation 151 11 Do This 163 12 How to Pick Mutual Funds: Bargain Shop 181 13 Index Funds: Get What You Pay For 189 14 Simple Does It: No-Brainer Investing with Target-Date Funds 209 15 Do You Need a Financial Adviser? 219 Index 229

Saving for Retirement will relieve confusion and barriers to action for Americans who are increasingly worried about retirement. The book removes everything from the readers’ path that typically trips people up and hits the sweet spot for everyone aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), Gail MarkJarvis helps readers calculate exactly how much money they’ll need and how to get there. She presents easy, proven investing strategies for anyone at any age that will transform pocket change into hundreds of thousands of dollars. Packed with her readers’ personal stories, this book teaches powerful professional financial planning principles — but makes them simple enough for anyone to apply on their own.

You must be aware of the value, potential return and risk of your human capital: your job, career and what you do for a living. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance financial decisions with the characteristics of your human capital. The key trends identified in Are You a Stock or a Bond? include the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, and they are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital -- human, financial and even social -- are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." ¿ Saving for Retirement will relieve confusion and barriers to action. It acquaints readers with people like them, and step-by-step addresses what's likely confusing them. Instead of starting with some lofty financial planning theory, it walks individuals through the process everyone goes through with IRAs and 401 (k)s -- leaving no basic questions unanswered. Instead of telling readers to open an IRA-as many books do-it tells them how to open one: where to go, what the forms mean, how to decide how to invest, the essential first steps. The book removes everything from the reader's path that typically trips people up and hits the sweet spot for everyone from aged 18 to 60. Using new figures (including troubling new projections of healthcare and long-term care costs), she helps readers calculate exactly how much money they'll need. Next, she presents optimal asset allocations for each stage of life -- and shows how these allocations would've protected typical investors through the past five tumultuous years. Packed with her readers' personal stories, this book teaches powerful professional financial planning principles -- but makes them simple enough for anyone to apply on their own.

Everyone needs to save for retirement. Without adequate savings, retirees must rely upon the government, their families and charities for support. Americans are not saving enough. We invest poorly. Most retirees depend upon Social Security for over half of their monthly income. Over one third of retirement income comes from working wages.The government is deeply in debt. Social Security is highly flawed. The traditional nuclear family is vanishing like smoke. Supportive charities are struggling for donations. The retirees of tomorrow must be able to support themselves. Everyone knows this. Wealth accumulation is high on everybody's to-do list. So, why can't people save and invest effectively? There are many hidden reasons. Most of them can be fixed.This book introduces effective strategies that can help anyone increase their retirement saving and wealth accumulation. If you follow this book's advice, it can change your life forever. As a financial advisor, Jay Lumbert learned ways to teach complex topics, in ways that everyone can understand. Retirement Planning Simplified By Jay combines basic graphics with simple explanations of everything someone needs to achieve financial security. It lays out the facts. It builds concrete examples of what must be learned, and illustrates them in ways that anyone can understand. Then the book provides a simple action plan.The mind is like a garden. To have a bountiful harvest, you must first prepare the soil. When the soil is properly treated, small seeds can become vibrant plants and flowers. We don't prepare our minds properly, so we don't achieve financial security. Most of us don't know how to achieve it. This book can prepare anyone's mind, so that the seeds of financial security will take root and thrive. Poor investing is a predictable pattern. It is a fate we can avoid with effective education. Investors must have perspective, and develop long-term strategies that win. When readers complete this book they will know how to achieve their financial goals. Investors will understand how much they must save, where to put those savings and how to invest their money.

Learn the basic, fundamental principles of saving for retirement and ensure a comfortable, secure financial future for you and your family. Close your eyes for a moment and imagine your dream retirement. Picture where you are, who you're with, what you're doing, and how you feel. Take a deep breath and really let the visualization sink in and transport you to this alternate reality. Now open your eyes and ask yourself: Do you think you'll ever get to personally experience this vision of your dream retirement at any point in your life? If you answered no, you're not alone! Nearly 40 million working age households in the U.S. have no retirement savings, and a whopping 78% of Americans say they're either "extremely" or "somewhat" concerned about not having enough money for retirement. You probably already know that you need to be saving for retirement, but where do you even begin? From the alphabet soup of retirement accounts like 401(k)s, IRAs, 457s, and the like, to the confusing array of fund options with cryptic-sounding names and enormous hidden fees, knowing where to start is no easy task. And chances are you never learned this stuff in school, either--despite the fact that it has a greater impact on your happiness and quality of life than almost any other subject you can think of. Fortunately, building a nest egg to fund your dream retirement is easier than you think. In this book, Amazon bestselling author Dan Clay breaks down the steps of saving for retirement into easy, digestible chunks written specifically for those who have little to no financial background. Here are some of the things you'll learn: What the concept of retirement means and how to engineer it to fit your desired lifestyle The Retirement Income Equation for calculating how much money you need to retire--and why it might not be as much as you think! The magic of compound interest and how it can make you RICH Demystifying the role stocks and bonds play in your investment portfolio and why they should be embraced, not feared The dirty little secret Wall Street doesn't want you to know (that can save you hundreds of thousands of dollars over your lifetime) The Ten Golden Rules of Saving for Retirement that will put you well ahead of the majority of savers Why you could be leaving thousands of dollars of FREE money from your employer on the table, and how to take advantage of it How to decipher the alphabet soup of retirement accounts including 401(k)s, IRAs, and Roth IRAs The Goldilocks approach to managing your portfolio that will save you thousands of dollars in management fees over the course of your lifetime The proper mindset and habits you need to adopt in order to crush your retirement goals PLUS, you'll also gain access to a free companion website containing a bonus chapter packed with advanced tactics for supercharging your retirement savings, a list of Dan's favorite finance book and blog recommendations, and other bonus materials designed to help you make the right decisions with your money. Whether you're a recent graduate starting your first job, someone who's been meaning to start saving for retirement but just hasn't gotten around to it yet, or a person who's already saving for retirement but still isn't exactly sure what they're doing, this comprehensive guide aims to be THE fundamental resource you need for saving for retirement and securing your financial future. What are you waiting for? Scroll to the top of the page and click BUY NOW to start seizing control of your financial destiny today!

Take A Look At What You'll Be Learning In Just A Moment:*How To Steer Clear Of The Financial Pit-Falls That Haunt Millions Of Regular, Every-Day People Like Yourself:Once you are "tuned in" on page 6, you'll be learning about the financial mistakes millions of regular every-day people have made (and how you can avoid them!). You'll also discover how these seemingly trivial mishaps can drain your financial "nest-egg" for every penny it's worth. *Find Out EXACTLY How Much You Need To Be Saving:Check out page 11 for an easy-to-read breakdown of how to use a savings calculator. Also, you'll find out EXACTLY how much you need to save in order to retire when YOU want to. My advice is this: Don't risk losing what could be the most productive years of your life -- calculate within minutes how much money you should be disposing in your savings account. *Retirement Savings Accounts Revealed: Pro's and Con's:The "retirement gurus" tell you to save, save, save if you want to live the laid-back retired life millions dream of, but from savings accounts to stocks to the classic 401k, there seems to be an endless variety of saving methods to choose from. How can you possibly decide where to store those precious funds that will sustain you long after you have stopped earning an income? The financial decisions you make will determine the fate of your retirement, and on pages 11 and 12, you'll find the advantages -- and glaring disadvantages -- of some of the common types of retirement savings accounts.*The Little-Known Restrictions That Directly Affect Your Savings:You can't afford to miss-out on the 4 little-known restrictions that are placed on one of the most commonly-used retirement accounts (HINT: these directly affect how much YOU have the right to save!). You'll find these on page 12.*The 5 All-Important Factors You've Gotta' Know When Deciding How Much You'll Need To Save:Don't even think about retiring from your career without learning the five factors you MUST take into consideration when deciding how much money you'll need to save.From your basic living expenses to lifestyle excursions such as vacations, page 13 reveals them all, along with the essential real-life factors to keep in mind when preparing for each one. Don't fall victim to careless planning and risk losing the lifestyle you've waited a lifetime to enjoy -- find out how much you need to save today! *How To Predict Your After-Retirement Expenses In Seconds:By spending seconds filling out a fully-customizable chart on page 18, you can harness the fortune-telling power of a simple "Magic Formula" to predict your after-retirement expenses to the last dollar so that you can calm those "retirement-jitters" and know for sure that you will have enough to live the lifestyle you're expecting. *Learn The Cold, Hard Truths of "Social Security":You're already in a retired state of mind, but just when, exactly, can you physically retire and begin collecting Social Security? The answer is revealed on page 19 along with the cold, hard truths of Social Security and the qualifications you must meet before you can collect a single CENT. *How To Slash Your Social Security Pay-Outs By More Than 30%:Also on pages 19 and 20, you'll be getting the lowdown on how retiring even just a few years early can slash your Social Security pay-outs by more than 30%, and discover what you MUST do in order to collect every last penny of the Social Security check you deserve! Also, learn how to avoid the "rude awakening" that seems to come out of nowhere and slap a big fat tax on your hard-earned savings without you even knowing about it! *How To Make Calculating Your Retirement A Breeze:Take all the hard work out of calculating ANY numbers dealing with your retirement funds by using some of the fast and easy 5-second calculators revealed on page 22 and make calculating your retirement a breeze