Afbeelding 1 van 3
Galerij
Afbeelding 1 van 3
Hebt u iets om te verkopen?
Safety-First Retirement Planning: An Integrated Approach..l, VG
US $18,50
OngeveerEUR 15,87
of Beste voorstel
Objectstaat:
Heel goed
Een boek dat er niet als nieuw uitziet en is gelezen, maar zich in uitstekende staat bevindt. De kaft is niet zichtbaar beschadigd en het eventuele stofomslag zit nog om de harde kaft heen. Er ontbreken geen bladzijden en er zijn geen bladzijden beschadigd. Er is geen tekst onderstreept of gemarkeerd en er is niet in de kantlijn geschreven. Er kunnen zeer minimale identificatiemerken aan de binnenzijde van de kaft zijn aangebracht. De slijtage is zeer minimaal. Bekijk de aanbieding van de verkoper voor de volledige details en een beschrijving van gebreken.
- Nu kopenSafety-First Retirement Planning: An Integrated Approach..l, VG
Oops! Looks like we're having trouble connecting to our server.
Refresh your browser window to try again.
Verzendkosten:
Gratis USPS Media MailTM.
Bevindt zich in: Boonton, New Jersey, Verenigde Staten
Levering:
Geschatte levering tussen ma, 11 aug en za, 16 aug tot 94104
Retourbeleid:
30 dagen om te retourneren. Koper betaalt voor retourzending Als u een eBay-verzendlabel gebruikt, wordt dit in mindering gebracht op het terugbetalingsbedrag.
Betalingen:
Winkel met vertrouwen
De verkoper neemt de volledige verantwoordelijkheid voor deze aanbieding.
eBay-objectnummer:305859556094
Specificaties
- Objectstaat
- ISBN
- 9781945640063
Over dit product
Product Identifiers
Publisher
Retirement Researcher Media
ISBN-10
1945640065
ISBN-13
9781945640063
eBay Product ID (ePID)
23038519051
Product Key Features
Educational Level
Adult & Further Education
Number of Pages
354 Pages
Publication Name
Safety-First Retirement Planning : an Integrated Approach for a Worry-Free Retirement
Language
English
Publication Year
2019
Subject
General, Personal Finance / General
Type
Textbook
Subject Area
Business & Economics
Format
Trade Paperback
Additional Product Features
Intended Audience
Adult Education
LCCN
2019-912666
Dewey Edition
23
Illustrated
Yes
Dewey Decimal
332.024014
Synopsis
Two fundamentally different philosophies for retirement income planning, which I call probability-based and safety-first, diverge on the critical issue of where a retirement plan is best served: in the risk/reward trade-offs of a diversified and aggressive investment portfolio that relies primarily on the stock market, or in the contractual protections of insurance products that integrate the power of risk pooling and actuarial science alongside investments. The probability-based approach is generally better understood by the public. It advocates using an aggressive investment portfolio with a large allocation to stocks to meet retirement goals. My earlier book How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Strategies provides an extensive investigation of probability-based approaches. But this investments-only attitude is not the optimal way to build a retirement income plan. There are pitfalls in retirement that we are less familiar with during the accumulation years. The nature of risk changes. Longevity risk is the possibility of living longer than planned, which could mean not having resources to maintain the retiree's standard of living. And once retirement distributions begin, market downturns in the early years can disproportionately harm retirement sustainability. This is sequence-of-returns risk, and it acts to amplify the impacts of market volatility in retirement. Traditional wealth management is not equipped to handle these new risks in a fulfilling way. More assets are required to cover spending goals over a possibly costly retirement triggered by a long life and poor market returns. And yet, there is no assurance that assets will be sufficient. For retirees who are worried about outliving their wealth, probability-based strategies can become excessively conservative and stressful. This book focuses on the other option: safety-first retirement planning. Safety-first advocates support a more bifurcated approach to building retirement income plans that integrates insurance with investments, providing lifetime income protections to cover spending. With risk pooling through insurance, retirees effectively pay an insurance premium that will provide a benefit to support spending in otherwise costly retirements that could deplete an unprotected investment portfolio. Insurance companies can pool sequence and longevity risks across a large base of retirees, much like a traditional defined-benefit company pension plan or Social Security, allowing for retirement spending that is more closely aligned with averages. When bonds are replaced with insurance-based risk pooling assets, retirees can improve the odds of meeting their spending goals while also supporting more legacy at the end of life, especially in the event of a longer-than-average retirement. We walk through this thought process and logic in steps, investigating three basic ways to fund a retirement spending goal: with bonds, with a diversified investment portfolio, and with risk pooling through annuities and life insurance. We consider the potential role for different types of annuities including simple income annuities, variable annuities, and fixed index annuities. I explain how different annuities work and how readers can evaluate them. We also examine the potential for whole life insurance to contribute to a retirement income plan. When we properly consider the range of risks introduced after retirement, I conclude that the integrated strategies preferred by safety-first advocates support more efficient retirement outcomes. Safety-first retirement planning helps to meet financial goals with less worry. This book explains how to evaluate different insurance options and implement these solutions into an integrated retirement plan.
Objectbeschrijving van de verkoper
Over deze verkoper
JoyOfBooking
100% positieve feedback•6,1K objecten verkocht
Geregistreerd als particuliere verkoperDus de consumentenrechten die voortvloeien uit EU-wetgeving voor consumentenbescherming zijn niet van toepassing. eBay-kopersbescherming geldt nog steeds voor de meeste aankopen.
Feedback verkoper (2.234)
- _***h (186)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopItem arrived on damaged but was sent only in a thick paper envelope but not waterproof could have gotten damaged with respect it's booksAntwoord van: nicbol-71- Feedback beantwoord door verkoper nicbol-71.- Feedback beantwoord door verkoper nicbol-71.Sorry you were disappointed- we have found the envelopes are waterproof since they are lined with plastic bubble wrap. We've sent out about 5k books and only had one with water damage that we know of. However if you choose to order again please feel free to ask for different packaging. Thanks so much for your feedback!
- y***y (9954)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopThe best out there in eBay world! A+++++
- _***a (322)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopThis book arrived in excellent condition in a timely manner! Thanks!
JoyOfBooking
100% positieve feedback•6,1K objecten verkocht
Geregistreerd als particuliere verkoperDus de consumentenrechten die voortvloeien uit EU-wetgeving voor consumentenbescherming zijn niet van toepassing. eBay-kopersbescherming geldt nog steeds voor de meeste aankopen.
Feedback verkoper (2.234)
- _***h (186)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopItem arrived on damaged but was sent only in a thick paper envelope but not waterproof could have gotten damaged with respect it's booksAntwoord van: nicbol-71- Feedback beantwoord door verkoper nicbol-71.- Feedback beantwoord door verkoper nicbol-71.Sorry you were disappointed- we have found the envelopes are waterproof since they are lined with plastic bubble wrap. We've sent out about 5k books and only had one with water damage that we know of. However if you choose to order again please feel free to ask for different packaging. Thanks so much for your feedback!
- y***y (9954)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopThe best out there in eBay world! A+++++
- _***a (322)- Feedback gegeven door koper.Afgelopen maandGeverifieerde aankoopThis book arrived in excellent condition in a timely manner! Thanks!