Distribution Phase

Income Distribution

Americans face a complex challenge:

Millions of "baby boomers" are at or nearing retirement and face the dilemma of securing an income stream that lasts an entire lifetime. Their biggest fear is the fear of running out of money!
 
Most boomers parents and grandparents retired at 65 and lived to age 72, a seven-year concern. They also had social security and possibly a company pension. Today's retirees face the daunting task of planning for 25-35 years of retirement income with less social security, fewer company pensions, and expensive health care. Add to this, the potential for a nursing home stay, inflation, taxes, higher energy costs and you can understand the importance of proper retirement income planning.
 
Millions of Americans are transitioning from full-time work into retirement, they are moving from the accumulation phase - building wealth through savings and investments - to the distribution phase, drawing on those savings and investments for income they can rely on for the rest of their lives. This transition involves a major shift in financial tactics and planning to manage these high stake risks.
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This calculator can help you determine how soon you can pay off your mortgage.

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Newsletters

Playing Catch-Up with Contributions

Something as simple as increasing your contributions to tax-advantaged retirement programs can go a long way toward helping you pursue your long-term financial goals.

Retirement Countdown in a Down Market

The process leading up to retirement should begin years beforehand to help protect portfolio assets in the event that the markets are affected by unfavorable economic conditions.

Never Too Old—or Too Rich—to Consider Life Insurance

There are many possible reasons to consider owning life insurance, even if you have convinced yourself that it's no longer necessary in your situation.

Making Moves to the Money Market

Money market funds are mutual funds that invest solely in cash-equivalent assets that are categorized as low-risk, low-return investments.

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Market Watch

March 10, 2010 @ 10:49 PM

Dow Jones Industrials 10,567.33+ 2.95
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