Inflation-Adjusted Retirement Planning
Table of Contents
|
|
Inflation-Adjusted Retirement Planning Table of Contents |
|
| Cover | |||
| Copyright restrictions | |||
| Dedication | |||
|
|
Forward |
||
|
|
Introduction |
||
|
PART I |
RETIREMENT CONSIDERATIONS |
||
|
Chapter 1 |
Why Plan your Retirement? |
||
|
|
|
The Pros |
|
|
|
|
The Cons |
|
|
|
|
Alternatives to Retirement |
|
|
Chapter 2 |
The Nature of Retirement |
||
|
|
|
Financial |
|
|
|
|
Time |
|
|
|
|
Advanced Years |
|
|
Chapter 3 |
How Much Money Do I Need for Retirement? |
||
|
|
|
General |
|
|
|
|
Income: Pre-Retirement versus Post-Retirement |
|
|
|
|
Expenses: Pre-Retirement |
|
|
|
|
Expenses: Post-Retirement |
|
|
|
|
Making It Work |
|
|
Chapter 4 |
How Much Should I Be Saving? |
||
|
|
|
Balancing the Present and the Future |
|
|
|
|
Investment Strategies |
|
|
|
|
Asset Protection |
|
|
Chapter 5 |
When Should I Retire? |
||
|
|
|
General Considerations |
|
|
|
|
Maximizing Return on Retirement Plans |
|
|
Chapter 6 |
Early Retirement |
||
|
|
|
More on the Interest-Only model |
|
|
|
|
Factors to Consider for Early Retirement |
|
|
|
|
Early Retirement and Plans with Penalties |
|
|
|
|
Social Security Considerations |
|
|
Chapter 7 |
Investment Strategies |
||
|
|
|
Stocks |
|
|
|
|
Bonds |
|
| Funds & Indexes | |||
| Other Instruments | |||
|
Chapter 8 |
Tax Strategies |
||
|
|
|
Federal & State Income taxes |
|
|
|
|
Tax-reducing financial instruments |
|
|
Chapter 9 |
Interest Formulas |
||
|
|
|
Compound Interest |
|
|
|
|
Uniform Series |
|
| Geometric gradient series | |||
| Solved Examples | |||
|
PART II |
LIFE EXPECTANCY |
||
|
Chapter 10 |
|
Actuarial Life Expectancy |
|
|
Chapter 11 |
|
Probability of Dying |
|
|
PART III |
INFLATION |
||
|
Chapter 12 |
Inflation |
||
|
|
|
Effects of Inflation |
|
|
|
|
Consumer Price Index (CPI) |
|
|
|
|
Estimating Future Inflation |
|
|
PART IV |
THE INFLATION-ADJUSTED RETIREMENT MODEL |
||
|
Chapter 13 |
Developing the Model |
||
|
|
|
Projecting Retirement Income |
|
|
|
|
The Retirement Pay-out Period |
|
|
|
|
The Investment Pay-in Period |
|
|
|
|
Accommodating Balances from Prior Plans |
|
|
|
|
The Combined Cash Flow Timeline |
|
|
Chapter 14 |
The General Solution |
||
|
|
|
The Variables |
|
|
|
|
The Equation |
|
|
|
|
The Timeline |
|
|
|
|
The Input to the Solution |
|
|
|
|
The Output from the Solution |
|
|
Chapter 15 |
Special Solutions |
||
|
|
|
Inflation Rate Equals Investment Yield |
|
|
|
|
Inflation Rate Is Greater Than Investment Yield |
|
|
Chapter 16 |
Monitoring Your Retirement Plan |
||
|
|
|
Running Averages |
|
|
|
|
The Spread |
|
|
|
|
Bounds Max & Min |
|
|
|
|
The Balance in historical dollars |
|
|
|
|
The Balance in real terms |
|
|
|
|
Actions to Improve Performance |
|
|
PART V |
SOLUTIONS |
||
|
Example 1 |
Initial Retirement Plan (No Initial Lump Sum) |
||
|
|
|
Iterative Solution |
|
|
|
|
Graphical Solution |
|
|
Example 2 |
Initial Retirement Plan (with Initial Lump Sum) Update of Plan (Pre-Retirement) |
||
|
Example 3 |
Update of Plan (Post-Retirement) Winning the Lottery / Inheriting a Fortune |
||
|
Example 4 |
Inflation Rate Equals Investment Yield |
||
|
Example 5 |
Government vs. Private Sector benefits |
||
|
APPENDIX |
|
||
|
A |
Graphical Solution Charts |
||
|
Bibliography |
|
||
|
CD Software |
The Automated Inflation-Adjusted Retirement Planner |
||
|
|
|
||
©2008, Simon Revere Mouer III
all rights reserved