Retirement Watch: The Essential Guide to Retiring in the 2020's
Language: English
Published by Regnery Publishing, 2023
- Softcover
- Used
Seller: ThriftBooks-Reno, Reno, NV, U.S.A.ThriftBooks-Reno
AbeBooks seller since May 25, 2012
Condition: Used - Very good
£ 5.30
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Add to basketItem description from seller
May have limited writing in cover pages. Pages are unmarked. ~ ThriftBooks: Read More, Spend Less.
Seller Inventory # G1684513332I4N00
- Title
- Retirement Watch: The Essential Guide to Retiring in the 2020's
- Author
- Carlson, Bob
- Publisher
- Regnery Publishing
- Publication year
- 2023
- Condition
- Very Good
- Dust jacket
- No Jacket
- Binding
- Paperback
- Language
- English
- ISBN 10
- 1684513332
- ISBN 13
- 9781684513338
- Item weight
- 1.06 pounds
The 2020s are likely to be among the worst times to be nearing retirement or in the early years of retirement. The book first explains the forces that are coming together to make it more difficult to create and maintain financial security and independence in retirement.
The middle of the Baby Boomer generation will increase the pressure on every aspect of retirement. The early boomers began reaching 65 in 2011. Since then about 10,000 Boomers per day have been hitting 65. But the middle section of the Boomers is larger than the early Boomers. Beginning in 2024, an estimated 12,000 Baby Boomers will turn 65 each day.
Already the foundations of retirement, Social Security and Medicare, are under stress. The rapid increase in the number of Boomers enrolling in these systems will increase the strain.
In addition, the high returns in stocks and other investments since 2009 (and especially since 2017) make it likely that investment returns will be below their long-term averages during most of the 2020s. Further, interest rates on traditional retirement income investments, such as certificates of deposit, short-term government bonds, and money market funds, are the lowest they've been in U.S. history and are likely to remain below their historic averages.
In addition, taxes imposed by all levels of government are likely to increase during the 2020s. A longstanding myth is that a person's tax burden will decline in retirement. That hasn't been true for some time, and in the 2020s retirees are likely to face a range of tax increases.
For a long time, many retirees left a lot of money on the table by making less-than-optimum decisions about Social Security, Medicare, IRAs, 401(k) rollovers, long-term care, and other key retirement issues. For example, a recent study done for United Income concluded that only four percent of Social Security beneficiaries made the optimum decision about when to claim retirement benefits.
For the most part, the Boomers mistakes were bailed out by high stock market returns and low inflation. Retirees in the 2020s aren't likely to be so fortunate.
Peak Boomers have to make the right decisions about all aspects of their retirement finances. This book will cover each of the key retirement planning issues faced in the five years before retirement and the first five years of retirement and guide readers to making the right decisions for them.
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About the Author
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