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July 28, 2009

The Informed Investor Newsletter

In This Issue

Five Years
Risk Tolerance is Relative
Roth 401(k) Rollovers
Save Your Retirement
Coral Gables Chamber of Commerce

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Five Years

by Frank Armstrong, CLU, CFP®, AIFA®

Mercer Human Resource Consulting is about to release a white paper documenting that the average 401(K) participant burns through his entire account in five years. Apparently far too many retirees withdraw unsustainable amounts in order to support their pre-retirement lifestyle.

Some of the commentary surrounding the release of the paper questions whether target date funds should revise their glideslope to a zero equity position at retirement because no amount of asset allocation brilliance can compensate for a delusional self destructive withdrawal rate of 20% per year.

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Risk Tolerance is Relative

By Robert Gordon, CFP®, MBA, AIFA®

It is as predictable as the rising or setting of the sun, investors buy when the market is making new highs and sell when the market is making new lows. This buy high, sell low behavior robs them of their share of capital market returns. Investment advisors and the academic community frequently discuss the importance of understanding a client’s risk tolerance. Much energy has been expended in the creation of fancy questionnaires and other tools which are used to gain some understanding of an investor’s appetite for risk. Like many questions in the realm of investor psychology and behavior, there are no hard and fast rules but investors can benefit from some attempt at measuring their tolerance for risk albeit flawed.

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Roth 401(k) Rollovers

by Ana Maria Martinetti-Katz, CFP®, CPA, MBA, AIF®

During these turbulent financial times when layoffs are rampant, it is important to have a sound financial plan to weather the uncertainties. It is equally important to be aware of what your options are with regard to your employer sponsored retirement plan in the event you are “let go”. The rollover options for 401k accounts are probably well known by now but may be less so for Roth 401k accounts.

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Save Your Retirement Save Your Retirement.JPG

Save Your Retirement: What to Do If You Haven’t Saved Enough or If Your Investments Were Devastated by the Market Meltdown, by Frank Armstrong and Paul B. Brown gives you practical, time tested strategies to get your retirement back on track. No matter where you are in your career, you can recover gracefully for a successful and secure retirement. The Book’s companion website, www.save-retirement.com offers valuable resources, 75 calculators, worksheets and supporting articles that will make retirement planning a snap. Available today at Amazon.com and better bookstores everywhere.

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