The Bogleheads' Guide to Retirement Planning by Larimore, Taylor -- Read -- Imperial Library of Trantor

Index

Praise Title Page Copyright Page Dedication Foreword Preface

THE BOGLEHEADS THE COMING RETIREMENT BOOM OR BUST ABOUT THIS BOOK CHAPTER REVIEWS

Acknowledgements PART I - THE BASICS

CHAPTER ONE - The Retirement Planning Process

INTRODUCTION LIFE IN RETIREMENT AND YOUR RETIREMENT WELL-BEING WHEN TO BEGIN THE RETIREMENT PLANNING PROCESS THE TIME VALUE OF MONEY AND OTHER IMPORTANT CONCEPTS CALCULATING YOUR NUMBER LIFESTYLE IMPACT ON SETTING A RETIREMENT DATE LIFESTYLE CONSIDERATION: THE COST OF TRANSPORTATION HOW TO CALCULATE YOUR NUMBER A WARNING ABOUT USING SCIENCE IN FINANCIAL PLANNING BUDGETING FOR RETIREMENT ADDITIONAL STRATEGIES TO CLOSE AN ANNUAL INCOME GAP CHECKING ON YOUR PROGRESS AND MAKING ADJUSTMENTS ANNUAL AFFORDABLE SPENDING CALCULATIONS CHECKING STRATEGIES AND TRACKING PROGRESS LIFE’S UNKNOWNS AND THEIR IMPACT ON RETIREMENT PLANNING ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER TWO - Understanding Taxes

INTRODUCTION WHY AMERICANS SHOULD UNDERSTAND U.S. TAX LAW FEDERAL INCOME TAXES TYPES OF INCOME FOR TAX PURPOSES FEDERAL TAXES ON SOCIAL SECURITY INCOME ALTERNATIVE MINIMUM TAX (AMT) STATE TAXES LOCAL TAXES ADDITIONAL RESOURCES CHAPTER SUMMARY

PART II - SAVINGS ACCOUNTS AND RETIREMENT PLANS

CHAPTER THREE - Individual Taxable Savings Accounts

INTRODUCTION TYPES OF TAXABLE ACCOUNTS TAX LOSS HARVESTING MINIMIZING TAXES NONRETIREMENT TAXABLE ACCOUNTS ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER FOUR - Individual Retirement Arrangements

INTRODUCTION IRAS DEFINED CONGRESS MAKES IRA LAW SPECIFIC IRA RULES AND BENEFITS ROTH IRA VERSUS TRADITIONAL IRA IMPORTANT ADDITIONAL INFORMATION ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER FIVE - Defined Benefit Employer Retirement Account

INTRODUCTION DEFINING DEFINED BENEFIT PLANS HOW DEFINED BENEFIT PLANS WORK TRENDS IN PRIVATE-SECTOR DEFINED BENEFIT PLANS PUBLIC-SECTOR PLANS KNOW YOUR PLAN ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER SIX - Defined Contribution Plans

INTRODUCTION TYPES OF DEFINED CONTRIBUTION PLANS OTHER DEFINED CONTRIBUTION PLANS MANAGING YOUR ACCOUNT ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER SEVEN - Single-Premium Immediate Annuities

INTRODUCTION SPIA BASICS HOW ANNUITIES WORK CHARITABLE GIFT ANNUITIES ANNUITIZATION STRATEGIES THE SAFETY OF SPIAs AN IMPORTANT NOTE ABOUT INCOME FROM SPIAs MANAGED PAYOUT FUNDS ADDITIONAL RESOURCES CHAPTER SUMMARY

PART III - MANAGING YOUR RETIREMENT ACCOUNTS

CHAPTER EIGHT - Basic Investing Principles

INTRODUCTION DIVERSIFY TO REDUCE THE RISK OF A LARGE LOSS REBALANCING COST CONTROL DIFFERENT STROKES FOR DIFFERENT FOLKS COMMON INVESTING MISTAKES ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER NINE - Investing for Retirement

INTRODUCTION INVESTMENT POLICY STATEMENT IMPLEMENTING AND FOLLOWING YOUR PLAN SOME WORDS ABOUT RISK CHANGING ALLOCATIONS OVER TIME TAXES AND YOUR INVESTMENT PLAN NONINVESTMENT ASSETS ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER TEN - Funding Your Retirement Accounts

INTRODUCTION PRIORITY OF ACCOUNT FUNDING ORDER ADDITIONAL RESOURCES CHAPTER SUMMARY

PART IV - THE RETIREMENT PAYOFF

CHAPTER ELEVEN - Understanding Social Security

INTRODUCTION HOW MUCH WILL YOU GET FROM SOCIAL SECURITY? YOUR ANNUAL SOCIAL SECURITY STATEMENT HOW OTHER SOURCES OF INCOME AFFECT BENEFITS THE TAXATION OF SOCIAL SECURITY BENEFITS WHERE DO SOCIAL SECURITY DOLLARS GO? SOCIAL SECURITY REFORM MINIMUM AND MAXIMUM RETIREMENT AGES BENEFIT CALCULATORS AVAILABLE FROM THE SSA ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER TWELVE - Withdrawal Strategies

INTRODUCTION BUDGETING FOR RETIREMENT LUMP SUM OR ANNUITY INCOME FROM OUTSIDE SOURCES TAKING WITHDRAWALS PUTTING IT ALL TOGETHER ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER THIRTEEN - Early Retirement

INTRODUCTION WHAT IS EARLY RETIREMENT? IMPORTANT AGES TO CONSIDER MORE FACTORS TO CONSIDER SAFE WITHDRAWAL RATE FAMILY RELATIONSHIPS HOW TO RETIRE EARLY WINDFALLS, UNEMPLOYMENT, AND DISABILITY UNRETIRING CHANGING YOUR MIND ABOUT EARLY RETIREMENT ADDITIONAL RESOURCES CHAPTER SUMMARY

PART V - PROTECTING YOUR ASSETS

CHAPTER FOURTEEN - Income Replacement

INTRODUCTION LIFE INSURANCE PROTECTING YOUR FAMILY INSURANCE AS A WEALTH ACCUMULATION VEHICLE INSURANCE FOR PENSION MAXIMIZATION INSURANCE TO PAY ESTATE SETTLEMENT COSTS INSURANCE FOR BUSINESS NEEDS DISABILITY INCOME INSURANCE HOW TO SHOP FOR LIFE AND DISABILITY INSURANCE ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER FIFTEEN - Health Insurance

INTRODUCTION MEDICAL INSURANCE TYPES OF MEDICAL INSURANCE EMPLOYER POLICIES POLICIES FOR INDIVIDUALS AND THE SELF-EMPLOYED GOVERNMENT HEALTH PLANS AND ACCOUNTS LONG-TERM CARE INSURANCE ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER SIXTEEN - Essentials of Estate Planning

INTRODUCTION GOALS OF ESTATE PLANNING PROPERTY TITLING METHODS OF PROPERTY TRANSFER AT DEATH PROBATE DIVORCE, MARRIAGE, AND REMARRIAGE BENEFICIARY DESIGNATIONS SELECTING TRUSTEES, ADMINISTRATORS, AND FIDUCIARIES ESSENTIAL DOCUMENTS ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER SEVENTEEN - Estate and Gift Taxes

INTRODUCTION ESTATE AND GIFT TAX LAW BASIS RULE CHANGES IN 2010 ESTATE TAX COMPLIANCE AND TAX CALCULATION GIFT TAXES GENERATION-SKIPPING TRANSFER TAX ADDITIONAL RESOURCES CHAPTER SUMMARY

PART VI - FINDING GOOD ADVICE WHEN YOU NEED IT

CHAPTER EIGHTEEN - Seeking Help from Professionals

INTRODUCTION ADVISERS CAN HELP WHO SHOULD GET PROFESSIONAL ADVICE? FINANCIAL PLANNING VERSUS MONEY MANAGEMENT FINANCIAL PLANNING DEVELOPMENTS COMPARISON OF FEE STRUCTURES FINANCIAL ADVISER DESIGNATIONS SELECTING AN ADVISER ARE YOU HIRING A PLANNER OR A MONEY MANAGER? ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER NINETEEN - Divorce and Other Financial Disasters

INTRODUCTION DIVIDING ASSETS IN A DIVORCE QUALIFIED DOMESTIC RELATIONS ORDERS DIVORCE AND SOCIAL SECURITY BENEFITS AGREEING TO A DIVISION BEFORE MARRIAGE REMEMBER TO CHECK DESIGNATED BENEFICIARY FACING A FINANCIAL DISASTER ADDITIONAL RESOURCES CHAPTER SUMMARY

CHAPTER TWENTY - Meet the Bogleheads

INTRODUCTION ABOUT OUR MENTOR, JACK BOGLE WHO ARE THE BOGLEHEADS? THE BOGLEHEADS’ ONLINE FORUMS THE BOGLEHEADS WIKI THE BOGLEHEAD BOOKS BOGLEHEADS LOCAL CHAPTERS THE BOGLEHEADS REUNIONS OUR MISSION

APPENDIX I - Pearls of Wisdom APPENDIX II - Recommended Reading Glossary About the Editors Index

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