#Retirement Security

[alwaysbewoke]

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[alfredmarshall]

How Time Management Fuels Financial Success and Retirement Security

Learn the role of time management in achieving financial success and building a stable retirement future. Start planning smarter for a worry-free tomorrow.

[siliconpalms]

Survey Shows Growing Doubt About Retirement Security, Even for Millionaires

Retirement Security Concerns Rise Despite Positive Global Outlook: Natixis Global Survey Highlights Growing Individual Responsibility In 2024, retirement security remains a pressing concern for individuals worldwide, despite generally positive global prospects. The latest findings from the Natixis Global Survey of Individual Investors reveal an unsettling trend: an increasing number of people…

[fuscoinsuranceagency]

Fusco Insurance, Retirement $ Wealth Planning Services, Inc.

August 2024 Newsletter Fusco Insurance, Retirement & Wealth Planning Services Inc.August 2024 Newsletter A Message from Fusco Insurance Dear Valued Clients and Friends, As we move through August, we want to remind you that planning for the future is more than just a necessity—it’s an opportunity to secure peace of mind for you and your loved ones. This month, we’re focusing on essential…

[chloesimaginationthings]

Matpat will always be welcomed into the FNAF universe

[oscarisaacasimov]

How to Save for Retirement

Good news: There's a lot about retirement savings that you DO NOT have to thoroughly understand to make savvy investments. You don't have to be a math person or have a traditional job or have a "5 year plan".

1) Start saving as early as you can. The one financial advantage we have over the older generations is TIME, so USE IT. Starting early means making "free money," your interest earns interest that will be paid back to you. The amount you save in the early years is expected to double every decade, so the more years with an account, the more free money.

2) Start today if you haven't yet. I mean it. Even if it's only 50-100 / month. You will have an account earning free money in your name, and it's easy to add more funds later when the basics are already set up. If you don't have access to a 401(k) or similar, open an IRA (the Roth IRA kind is for those with a low income and a low tax payment in the springs). NOW is more important than which type of account.

3) Choose an "index fund" with a "target date" around the age you expect to retire. Index funds are basically a tiny sliver of the whole economy around you - stocks for companies large and small, bonds for the US government, real estate, international components. Index funds provide better returns for a lower fee than "actively managed" funds, where the professional's guess wrong more often than not. If you are investing in an index, or piece of the market, than the market can never leave you behind. Target dates mean more higher risk, higher reward stocks in the earliest years, and gradually adjusting to more stable and steady bonds as you near retirement and have less time to recoop a loss. If any of this sounds scary or complicated, this is the common and proven best way to invest over a lifetime.

4) If your employer offers a retirement match contribution (often 2% - 5% of your takehome pay), invest at least that much of your own pay, because again we love FREE MONEY.

5) Increase your retirement payments to yourself anytime life gets easier. Significant raise at work? Moved to a cheaper town? Paid off your car / house / student loans / day care years? Send some of that new monthly money straight into the retirement fund.

6) Your eventual goal is to save 15% of your annual income toward retirement. If this seems insane, start where you can, and aim to add an additional 1-2% with every new year.

7) "Set it and forget it." DO NOT TOUCH your retirement money. Don't even look at it. Maybe once / year if you are curious. The road of compound interest will include some downturns with the stock market is down. This is normal for everyone, but keeping that steady investment through highs & lows is the best strategy for longterm growth of your money.

7b) It is not a kindness to your children to pull money out of your retirement savings on their behalf. You'll lose that much money plus the years of "free money" accumulation plus some early withdrawal fees &/ weird tasks. This makes you more likely to become financially dependent on your kids during your retirement. Not a favor in the long run.

8 ) "If investing feels fun and exciting, then you are not investing, you are gambling." If you are intrigued by the idea of investing in particular companies or trying to time the market - cool. Take some money that wouldn't be disastrous to lose and try your luck - the odds are not in your favor. But your retirement plan must be slow and steady. Source

[beingjellybeans]

Retirement planning in the Philippines: your guide to secure your financial future

Retirement is an important phase of life that requires careful financial planning to ensure a comfortable and stress-free future. As retirement approaches, it’s essential to have a solid plan in place to secure your financial stability. In this guide, we will explore the key steps to planning for retirement in the Philippines, including how to start a retirement plan and determine the amount of…

[goddess47]

For the Oldsters around here...

I saw yet another poll/reblog for "if you're over 30"... pish. I have shoes that are over 30! (Like, I never wear them but, well, they're nice shoes!)

So this is for the oldsters that I know are on Tumblr.

All the usual blah-blah... reblog, tag, etc...

[squaredawayblog]

The surge in flexible telework jobs has increased employment in this community.

[fnaf-memories]

( August 7, 2020 )

4 years ago today, a new teaser was posted on scottgames.com featuring Vanny.

[afriblaq]

Black Health

@theconciouslee

[alfredmarshall]

Achieve Financial Success and Retirement Security with Time Control

Time management plays a vital role in financial success. By making the most of your hours, you can better plan your spending, saving, and investments for a retirement that’s financially secure.

[bxnnie-bxwl]

DOCTORS HATE HIM!

this grandpa escaped purgatory with this one simple trick!

afton!bonnie au

[somethingusefulfromflorida]

I have a job interview first thing in the morning, and what I'm looking forward to most of all is getting breakfast at the diner next door right after. Like, I need this job, but it's another underpaid customer service abuse-a-thon so I'm really not looking forward to it. I'm not even holding my breath about landing it because the hiring manager did not sound happy when I told her I was unavailable for the date she originally suggested last week. I think they've already passed me over and tomorrow is just gonna be a formality, but the light at the end of the tunnel is breakfast. No matter how it goes, I'm rewarding myself with a nice meal, and then I'll go to the library, maybe take a walk in the park.

[karadin]

FACT - Social Security, Medicare and Medicaid add nothing to the national debt because these programs pay for themselves!

Every day of your working life, you PAY into YOUR government pension! look at your paystub, you'll see your contributions!

You receive your payment until the day you die, unlike 401ks which are done when they run out.

A pension is not a retirement fund on which you make 'interest' as an investment - when Republicans state this they mean THEY should make money on your pension, their companies will take your pension and churn it constantly to create fees.

And if your pension is going to rise or fall on the stock market, be aware, a recession in the US happens about every decade.

When Republicans say they need to cut social programs, they could start with the BILLIONS in subsidies they give to millionaires and mega corporations.

[bumblingbabooshka]

Hey, Star Trek Writers... -taps the glass-