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Posted in Investing, Q&A, Retirement

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05/14 2012

Question Buy viagra without prescription, : In a recent column you repeat advice I have often read that withdrawing about 3% of my investment capital will reduce the chances of my running out of money in retirement. Buying generic viagra, But that doesn't make sense to me. I have been retired for over 19 years and I have sufficient data now to extrapolate that I could live for 100 more years with so meager a drawdown because, buy viagra online australia, Cheap viagra, through good and bad times, my earnings after inflation and taxes always exceed 3%, lowest price for viagra. Online pharmacy viagra, If I am missing something, I must be extraordinarily lucky because it hasn't hurt me yet, order viagra overnight delivery, Tablet viagra, and at age 77 I think it unlikely to do so in my remaining years. Can you explain this discrepancy between my experience and the consequences of your advice, viagra professional.

Answer: Sure, buy viagra without prescription. Cheapest viagra, You got extraordinarily lucky.

You retired during a massive bull market, get viagra, Viagra cheap, which is the best possible scenario for someone who hopes to live off investments. You were drawing from an expanding pool of money, buy discount viagra online. Viagra online review, Your stocks probably were growing at an astonishing clip of 20% or more a year for several years. Buy viagra without prescription, Although later market downturns probably affected your portfolio, those initial years of good returns kept you comfortably ahead of the game.

Contrast that with someone who retires into a bear market, order viagra no rx. Order cheap viagra, She's drawing from a shrinking pool of money as her investments swoon. The money she takes out can't participate in the inevitable rebound, order viagra, Pharmacy viagra, so she loses out on those gains as well. All that dramatically increases the risks that she'll run out of money before she runs out of breath, generic viagra online.

It's the first five years of retirement that are crucial, according to analyses by mutual fund company T, buy viagra without prescription. Find cheap viagra, Rowe Price, which has done extensive research on sustainable withdrawal rates, viagra free delivery. Bad markets and losses in the first five years after withdrawals begin significantly increase the chances that a person will run out of money during a 30-year retirement.

Some advisors contend that a 3% initial withdrawal rate, adjusted each subsequent year for inflation, is too conservative. If you retire into a long-lasting bull market, it may well be. But none of us knows what the future holds, which is why so many advisors stick with the 3%-to-4% rule.

Posted in Q&A, Retirement

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05/7 2012

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Dear Liz: Buy viagra oral jelly without prescription, After working all out for 28 years in a small business, I have put away $2.6 million in stocks, bonds and some cash. Buy cheapest viagra oral jelly, (I am a reasonably smart investor.) I'm 58 and want to be done at 60. I'm not tired of my business, discount viagra oral jelly without prescription, Low cost viagra oral jelly, just tired of working. How much do you think I could draw out and not get myself into trouble, cheap viagra oral jelly tablets. Approved viagra oral jelly pharmacy, I'm in great health, so I could last 30 more years, buy viagra oral jelly from canada. Our house is paid off, and my wife gets about $40,000 a year from a nice pension, buy viagra oral jelly without prescription. Viagra oral jelly vendors, Any ideas.

Answer: Financial planners typically recommend an initial withdrawal rate of 3% to 4% of your portfolio, cheap viagra oral jelly tablet. Find discount viagra oral jelly, With $2.6 million, your first year's withdrawal would be $78, best price viagra oral jelly, Cheap viagra oral jelly in usa, 000 to $104,000, viagra oral jelly pills. Compare viagra oral jelly prices, The idea is that you could adjust the withdrawal upward by the inflation rate each year and still be reasonably confident you won't run out of money after 30 years. Buy viagra oral jelly without prescription, Some studies indicate you can start with a higher withdrawal rate, as long as you're willing to cut back in bad markets.

There is still some risk of going broke, viagra oral jelly side effects, Viagra oral jelly online, though, even with a 3% withdrawal rate, viagra oral jelly tablets. Purchase viagra oral jelly no rx, Particularly poor stock market returns at the beginning of your retirement, for example, buy cheapest viagra oral jelly on line, Buy viagra oral jelly online cheap, could increase the chances your nest egg will give out before you do.

This is an issue you really should discuss with a fee-only financial planner who can review your investments and your spending to make personalized recommendations, cheap viagra oral jelly from canada. (You can get referrals from the National Assn. of Personal Financial Advisors or the Garrett Planning Network.) If you've chosen especially risky stocks or have too much of your portfolio in bonds, for example, your retirement plan could fail even if you choose a conservative initial withdrawal rate, buy viagra oral jelly without prescription.

You'll also want to talk about how you're going to get health insurance, and how much it's likely to cost. If you've been arranging coverage through your business, you might face some sticker shock when you have to buy a policy on your own. But it's essential to have this coverage, since you won't qualify for Medicare until you're 65.

If you're not tired of your business, you might consider phasing in retirement, if that's possible in your situation. That would mean starting to take some long breaks to travel or pursue the interests you plan to indulge in retirement. Delaying retirement even a few years can dramatically increase the chances your nest egg will last.

Posted in Q&A, Retirement

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05/1 2012

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Dear Liz: Buy viagra professional without prescription, I am 66-1/2 and eligible to collect my full Social Security benefit now. I am in good health and assume I will live into my 80s, cheap generic viagra professional. Purchase viagra professional overnight delivery, I am still working and don't need the extra money. Is it better to put off taking my benefit so that it will grow 8% with Uncle Sam, canada viagra professional, Cheap viagra professional in usa, tax free and guaranteed, or should I take the money now, overnight viagra professional, Buy cheapest viagra professional online, pay taxes on it and invest it. Politically speaking, viagra professional in uk, Drug viagra professional, I think I should take it, but my gut says let it grow, cheap viagra professional from canada. What do you think, buy viagra professional without prescription. Online pharmacy viagra professional, Is there a program available to demonstrate the differences.

Answer: Far too many people grab their Social Security checks too early, lowest price for viagra professional, Order viagra professional, locking themselves into lower payments for the rest of their lives. Some do so in the mistaken belief that their benefits, viagra professional in australia, Buy viagra professional pills, or Social Security itself, will go away or be dramatically altered if they don't "lock in" their checks, cheapest viagra professional price. Viagra professional without prescription, It's true that Congress needs to change the Social Security program if it is to meet all its future obligations. Buy viagra professional without prescription, But lawmakers are far more likely to change benefits for young people than they are to mess with promised benefits for people close to retirement age.

As you've noted, order viagra professional cheap online, Viagra professional bangkok, when left untouched benefits grow about 8% a year, which is a strong incentive to delay filing, buy viagra professional in canada. Cheap viagra professional no rx, You'd be hard-pressed to find an investment with that kind of guaranteed annual return, let alone one that would offer that yield plus enough extra return to offset the taxes you'd pay on those benefits if you took them earlier.

The Social Security site has a benefit estimator that can show you the effects of claiming your benefit at various ages. You'll find it at http://www.ssa.gov/estimator.

AARP also has an excellent retirement calculator that can help you plan various scenarios using not just Social Security but all of your retirement benefits. It's at http://www.aarp.org/work/retirement-planning/retirement_calculator.

Finally, you should check out mutual fund company T. Rowe Price's information about "practice retirement" at troweprice.com/practice, which details the benefits of continuing to work through your 60s while saving less for retirement. The growth in Social Security benefits and retirement accounts is so great during that decade that it often more than offsets a sharp reduction in savings, which would mean you'd have more money to spend on vacations and other fun pursuits even before you retire.

Posted in Financial Advisors, Investing, Q&A, Retirement

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03/26 2012

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Dear Liz: Buy melatonin without prescription, I am 56 and will be receiving $175,000 from the sale of a home I inherited. I do not know what to do with this money, purchase melatonin no rx. Buy cheap melatonin, I have been underemployed or unemployed for six years, have no retirement savings and am terrified this money will get chipped away for day-to-day expenses so that I'll have nothing to show for it, order melatonin no prescription. Buy cheapest melatonin, Should I invest. If so, order melatonin online, Cheap generic melatonin, what is relatively safe. Should I try to buy another house as an investment, buy melatonin without prescription.

Answer: You're right to worry about wasting this windfall, find discount melatonin, Melatonin australia, because that's what often happens. A few thousand dollars here, melatonin cheap, Lowest price melatonin, a few thousand dollars there, and suddenly what once seemed like a vast amount of money is gone, find cheap melatonin online. Buy no rx melatonin, First, you need to talk to a tax pro to make sure there won't be a tax bill from your home sale, buy melatonin low price. Melatonin online without a prescription, Then you need to use a small portion of your inheritance to hire a fee-only financial planner who can review your situation and suggest some options. You can get referrals for fee-only planners who charge by the hour from the Garrett Planning Network at http://www.garrettplanningnetwork.com. Buy melatonin without prescription, You're closing in quickly on retirement age, and you should know that typically Social Security doesn't pay much. The average check is around $1, cheap melatonin internet, Melatonin alternative, 000 a month. This windfall can't make up for all the years you didn't save, order melatonin no rx, Melatonin for order, but it could help you live a little better in retirement if properly invested.

You should read a good book on investing, cheapest melatonin price, Buying melatonin online, such as Kathy Kristof's "Investing 101," so you can better understand the relationship between risk and reward. It's understandable that you want to keep your money safe, but investments that promise no loss of principal don't yield very much. In other words, keeping your money safe means it won't be able to grow, which in turn means your buying power will be eroded over time.

Posted in Q&A, Retirement

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03/5 2012

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Dear Liz: Buy armour without prescription, I'm 64 and retired on a Social Security income of $10,000. Find discount armour online, My wife is also 64 and is still working, earning $91, armour free sample, Order cheap armour online, 000 a year. She contributes $13, cheap armour internet, Buy armour overnight delivery, 000 to a 401(k). Can both of us also contribute the maximum $6, buying armour online, Armour online without prescription, 000 to our IRAs.

Answer: Since your wife has earned income, low price armour, Armour non prescription, you both can contribute to IRAs, and you would be able to deduct your contribution, armour. She, however, probably would be able to deduct only part of hers, buy armour without prescription. Best price armour, Because she's covered by a retirement plan at work, her ability to deduct an IRA contribution for 2011 phases out at a modified adjusted gross income of between $90, armour overnight, Purchase armour, 000 and $110,000, cheap armour without prescription, Armour approved, said Mark Luscombe, principal analyst for tax research firm CCH, lowest price for armour, Armour information, a Wolters Kluwer business. The portion of your Social Security benefits that are taxable would be added to her earned income to determine how much of her contribution is deductible, armour medication. Armour canada, "The working spouse would appear, therefore, order armour from us, based on the facts available, to only qualify for a partial deduction of her IRA contribution," Luscombe said.

You're luckier. As a non-working spouse, the phase-out range for deducting an IRA contribution is higher: In 2011, it applied to modified adjusted gross income between $169,000 and $179,000. "The non-working spouse would therefore, under these facts, qualify for a full deduction for a $6,000 contribution to an IRA," Luscombe said.

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