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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Economists expect the economy to grow by a respectable 3% in 2010, but they don't hold out much hope for the employment situation. What else can investors and consumers expect from the coming year?

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Over the past 10 years, tuition and fees have grown more than 4% faster than the rate of general inflation at public four-year colleges and more than 2% faster than inflation at private four-year colleges.

The Land of Income Mobility

In America, just about anyone who is dissatisfied with his income has the opportunity to roll up his sleeves and move into a different income bracket.

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Market Watch

February 09, 2010 @ 06:25 AM

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