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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.
Chapter 1: Start Investing Early or Start Now 1
Chapter 2: Know What You’ll Need 9
Chapter 3: Savings on Steroids: Use a 401(k) and an IRA 41
Chapter 4: An IRA: Every American’s Treasure Trove 61
Chapter 5: IRA Decisions: How to Start and Where to Go 67
Chapter 6: Why the Stock Market Isn’t a Roulette Wheel 91
Chapter 7: What’s a Mutual Fund? 111
Chapter 8: Making Sense of Wacky Mutual Fund Names 123
Chapter 9: Know Your Mutual Fund Manager’s Job 137
Chapter 10: The Only Way That Works: Asset Allocation 165
Chapter 11: Do This 177
Chapter 12: How to Pick Mutual Funds: Bargain Shop 201
Chapter 13: Index Funds: Get What You Pay For 209
Chapter 14: Simple Does It: No-Brainer Investing with Target-Date Funds 231
Chapter 15: Do You Need a Financial Adviser? 243