Take 60 seconds
and check your plan
for 20, 30, maybe even
40 years in retirement.
Check your rate of return assumptions HERE.
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Will You Be Able To Meet Your Needs?
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Do you care about beating the odds and retiring successfully? Planning prepares you for the future, keeps you organized, helps you cope with uncertainty and helps you achieve what you want to accomplish in life. Life will not slow down for you.
If you fail to plan, you know what happens.
Our online assessment tool will help you check your plan.
Use our helpful retirement planning assessment tool. It's very easy to use.
It can help you quickly check if your retirement savings and investment strategies are on track to successfully sustain you in retirement.
Use it to immediately show you the results of any changes you'd like to make to improve the results of your current plan. Use it as often as you like. There is no need for you to register and no obligation to us.
No data to enter. Completely visual. Quick and easy to use.
Click here. It's free.
Be careful not to be overly optimistic about the average long-term investment returns you think you will earn as you save for, and live in retirement. Overly optimistic forecasts of your investment returns can easily lead you to undersave.
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According to Boston-based research firm, DALBAR Inc.,
''One of the most startling and ongoing facts is that
at no point in time have average investors remained
invested for sufficiently long enough periods to derive
the [return] benefits of a long-term investment strategy.''
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Underestimating your need for a rising income to keep pace with inflation for decades in retirement can also lull you into a false sense of accomplishment with your saving goals and investment strategies. Also don't forget to lower your expected returns for income taxes and investment costs. Remember, it's not what you earn, but what you get to keep.
Try starting with base case long-term returns of 4 percent and 2 percent. According to DALBAR, the average equity mutual fund investor earned an average annual return of just 3.8 percent per year for the 20-year period ending December 31, 2010. The average fixed-income mutual fund investor earned an average annual return of just 1.0 percent per year for the same period.
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The final results of any undersaving and investment mistakes may
not be known to you for many years. It is critically important for you
to save appropriately and invest wisely as you may not have the
time, resources or vitality to recover from such mistakes.
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We specialize in helping you plan for a sustainable retirement and bring depth of field, discipline and energy to your planning effort. Once we have developed a sustainable retirement plan for you, we can help you build and manage safer,
better-balanced investment portfolios.
NEED A BETTER-BALANCED PORTFOLIO? LOOK HERE. |
