For instance, they will adjust the mix of stocks, bonds and other assets in a portfolio as the client approaches and enters retirement, but they won't introduce a new asset class in retirement.
More firms are peddling annuities and retirement asset management programs, and investors in their 40s are starting to buy them.
We are likely to make some additional moves by holding less tax-efficient asset classes in retirement accounts and more in taxable personal accounts.
FORBES: Fiscal Cliff Strategy: 3 Tips For Investors As Rising Taxes Loom
On the CSS Profile, retirement plan asset values do need to be reported along with current-year plan contributions.
This no-nonsense site offers dozens of simple and handy calculators covering a range of financial planning issues not only retirement saving and asset allocation, but mortgages, credit card debt and insurance.
FORBES: These Calculators Can Raise Your Odds Of Retiring Well
But all three leave your retirement assets out of the asset calculation.
Professional Investment Management Cost and Availability: If Casey is not proficient in investment management or he does not have the time properly manage his plan investments, he may need to engage the services of a professional investment advisor to make sure his asset allocation model is consistent with his retirement goals and objectives.
The theory is that as your retirement date arrives, the changing asset mix will provide the proper recipe for stability and growth.
Our sister company, Bedrock Wealth Management, LLC, helps post-divorced women once their divorce has been finalized, assisting with budgeting, retirement planning, college savings, asset protection, insurance, estate planning and all other investments needs.
FORBES: Divorcing Women Need to Answer These Key Questions Before Deciding to Keep The House
They made huge losing bets with our retirement funds while conspiring to hide risk and falsify asset values.
In the asset calculation the aid formulas have a surprisingly light touch on retirement: They exempt accounts like IRAs and 401(k)s.
FORBES: Paying for College: Five Rules to Protect Your Retirement
The Certified Financial Planner Board of Standards, for instance, certifies candidates who successfully pass extensive exams on topics including asset protection planning, taxes, insurance, estate planning and retirement.
FORBES: Differences Between Stockbrokers, Investment Advisors And Financial Planners
The portfolios become more conservative as investors approach their retirement date, by automatically adjusting the allocation to each asset class.
FORBES: More Worries for Defined Contribution Plan Fiduciaries (August 31, 2006)
What better time to get serious about saving for retirement or investing for the distant future than right after asset prices have been beaten down?
FORBES: Gen-Xers, Millennials May Reap Big Benefits From Great Recession
On the other hand, you have to weigh that against the value that owning a home can add as an asset that you can later sell or borrow against to help provide for your retirement.
As asset prices increase, people feel wealthier and more secure because of increased value of retirement funds, education savings, and so on, and the increase in wealth and security makes it more likely that consumers will spend money on goods and services.
In most cases, an asset-to-salary ratio is used to determine if a person is saving enough for retirement.
FORBES: With Retirement Savings, How Do You Compare To Others Your Age?
One would presume a smart alternative would be to simultaneously incentivize people to save for retirement to the extent that they can, rather than making ominous, vague proposals about future asset seizure.
By taking the time to identify and invest a portion of their regular contributions into underperforming asset classes, investors can use a strategy normally reserved for more knowledgeable and experienced market players to their company retirement plan.
FORBES: Make The Most Out Of Your 401(k) Contributions Right Now
应用推荐