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Index
Praise for the Jonathan Clements Money Guide
Acknowledgments
Part I: Introduction—Your Journey Begins Here
1. Navigating This Book
2. January 2015: Where We Stand
3. It All Starts With You
4. Your Goals
5. Jonathan’s Take
6. Abbreviations
Part II: Retirement—Turning Four Decades’ Labor Into a Heaping Pile of Dollars
7. A Wobbly Three-Legged Stool
8. Today’s Retirement Readiness
9. Five Steps for 2015
10. Your 20s, 30s and 40s
11. Put Retirement First
12. Are You Saving Enough?
13. Financial Calculators
14. Where to Stash Your Savings?
15. Your 50s and Early 60s
16. A Fulfilling Retirement
17. Will You Have Enough to Retire?
18. Adjusting Your Portfolio
19. Estimating Expenses
20. Early Retirement
21. Playing Catch-Up
22. When All Else Fails
23. Age 65 and Beyond
24. Life Expectancy
25. Inflation
26. Market Declines
27. Your Retirement Income
28. Portfolio Withdrawals
29. Your Safety Net
30. Four Percent Withdrawal Rate
31. Sequence-of-Return Risk
32. Varying Your Spending
33. Introduction to Social Security
34. Social Security Eligibility
35. Claiming Benefits Early and Late
36. Spousal Benefits
37. Claiming Strategies for Couples
38. Benefits for Dependent Children
39. File and Suspend
40. Survivor Benefits
41. Divorce and Social Security
42. Social Security’s Future
43. Pension Plans
44. Income Annuities
45. Immediate Fixed Annuities
46. Longevity Insurance
47. Living Benefits
48. Immediate Variable Annuities
49. Spending Home Equity
50. Reverse Mortgages
Part III: Houses—Buying for the Wrong Reasons, Staying for the View
51. Today’s Real Estate Market
52. Five Steps for 2015
53. Housing Myths
54. Buy or Rent?
55. Real Estate Returns
56. Leverage
57. Imputed Rent
58. Buying a Home
59. Selling a Home
60. Selling Yourself
61. Real Estate Agents
62. Assessing the Local Market
63. Remodeling
64. Rental Properties
65. Taxes When Selling a Home
Part IV: College—It Could Make Your Kids Rich and Cost You a Fortune
66. Today’s College Costs
67. Five Steps for 2015
68. Manage Expectations
69. Save Something
70. Investment Strategy
71. Section 529 College Savings Plans
72. Grandparents and 529s
73. Prepaid Tuition Plans
74. Coverdell Education Savings Accounts
75. Custodial Accounts
76. Kiddie Tax
77. College Savings in the Parents’ Names
78. Retirement Accounts
79. Savings Bonds
80. Financial Aid
81. Expected Family Contribution
82. Aid Eligibility
83. Federal vs. Institutional Methodology
84. Increasing Aid Eligibility
85. Help From Family
86. Education Borrowing
87. Student Loans
88. Parent Loans
89. Repaying Education Loans
90. Education Loan Interest Deduction
91. American Opportunity Tax Credit
92. Lifetime Learning Credit
Part V: Family—Making Sure Everybody’s Okay When Everything Goes Wrong
93. Five Steps for 2015
94. Emergency Plan
95. How Big an Emergency Fund?
96. Insurance
97. Health Insurance
98. Employer Health Plans
99. COBRA
100. Obamacare
101. Health Care Exchanges
102. Medicare
103. Medicare Part A
104. Medicare Part B
105. Medicare Advantage
106. Medicare’s Prescription Drug Benefit
107. Medigap Insurance
108. Medicaid
109. Nursing Home Costs
110. Long-Term-Care Insurance
111. Hybrid Insurance Policies
112. Medicaid and Nursing Home Costs
113. Life Insurance
114. Term Life Insurance
115.Permanent Life Insurance
116. Three Types of Permanent Insurance
117. Insurance Companies
118. Term vs. Permanent
119. Disability Insurance
120. Auto Insurance
121. Homeowner’s Insurance
122. Renter’s Insurance
123. Asset Protection
124. Retirement Accounts
125. Homestead Exemption
126. Umbrella Liability Insurance
127. Business Liability
Part VI: Spending—No, This Isn’t Some Boring Chapter About Budgeting
128. Major Expenses
129. How Our Spending Has Changed
130. Spending for Fun
131. Five Steps for 2015
132. Fixed vs. Discretionary Expenses
133. Keeping Fixed Costs Low
134. Running Fast on the Hedonic Treadmill
135. Getting More Happiness From Your Dollars
136. Would More Money Make You Happier?
137. Middle-Aged and Miserable
138. Jonathan’s Take: Money and Happiness
Part VII: Saving—It’s the Way Everyday Americans Get Rich
139. America’s Savings Habits
140. Five Steps for 2015
141. How Much Should You Save?
142. The Earlier, the Better
143. Why Saving Is a Bargain
144. How Money Saves You Money
145. Diligent Savers Need Less for Retirement
146. Nudging Yourself to Save More
147. Where to Stash Your Savings
148. Pray for Lousy Returns
149. Dollar-Cost Averaging
150. Value Averaging
151. Turning Your Children Into Savers
152. Teaching Teens and Adult Children About Money
Part VIII: Investing—A Simple Task With a Miserably Low Success Rate
153. Financial Markets 2014
154. Five Steps for 2015
155. Building a Smarter Portfolio
156. Mental Mistakes
157. The Seasoned Investor
158. Why We Invest
159. Short-Term Threats
160. Long-Term Threats
161. Your Human Capital
162. Personal Risk Tolerance
163. Asset Allocation
164. Correlations
165. Compounding and Volatility
166. Rebalancing
167. How Often Should You Rebalance?
168. Jonathan’s Take: Asset Allocation Guidelines
169. Diversification
170. Diversifying Stocks
171. Diversifying Bonds
172. Sample Portfolio: Simple
173. Sample Portfolio: Moderately Complicated
174. Sample Portfolio: Complicated
175. Rebalancing Within Asset Classes
176. Selecting Investments
177. Mutual Funds
178. Why Costs Matter
179. Trading Costs
180. Mutual Fund Costs
181. Load Funds
182. Fee-Based Accounts
183. Conflicts of Interest
184. Interviewing Advisors
185. Online Advisors
186. Market Efficiency
187. Indexing
188. Index Mutual Funds vs. ETFs
189. Picking Active Funds
190. Core and Explore
191. Index Mutual Fund Managers
192. Exchange-Traded Fund Managers
193. Active Fund Managers
Part IX: Financial Markets—Where We Discuss Nerdy Stuff You Probably Ought to Ignore
194. What’s Hot
195. Five Steps for 2015
196. Why Stocks Should Beat Bonds
197. What Drives Economic Growth
198. Stock Returns and Economic Growth
199. Why High Growth Doesn’t Mean High Returns
200. Price-Earnings Ratios
201. Cyclically Adjusted Price-Earnings Ratios
202. Dividend Yields
203. Price-to-Book Value
204. Historical Valuations
205. Whither Stocks?
206. Borrowing From the Future
207. Market Timing
208. Fat Tails
209. Stock Picking
210. Higher Stock Returns Through Higher Risk?
211. Enhanced Indexing
212. Small-Stock Effect
213. Value Effect
214. Momentum Effect
215. Profitability Effect
216. Fundamental Indexing
217. What Determines Bond Returns?
218. Risk and Bond Returns
219. Costs and Bond Returns
220. Bonds vs. Bond Funds
221. New Bond Issues
222. Ten-Year Treasurys
223. Inflation-Indexed Treasurys
224. Floating-Rate Treasury Notes
225. Savings Bonds
226. Municipal Bonds
227. Mortgage Bonds
228. Corporate Bonds
229. Junk Bonds
230. Floating Rate Loans
231. Developed Market Bonds
232. Emerging-Market Debt
233. Closed-End Funds
234. Covered Calls
235. Cash Investments
236. FDIC Insurance
237. Alternative Investments
238. Gold
239. Bitcoins
240. Real Estate Investment Trusts
241. Hedge Funds
242. Hedge-Fund-Like Mutual Funds and ETFs
Part X: Taxes—Paying Uncle Sam, but Not Until Tomorrow
243. Five Steps for 2015
244. Income Tax Basics
245. Five Federal Taxes
246. Payroll Taxes
247. Marginal vs. Average Tax Rates
248. Standard vs. Itemized Deductions
249. Medicare Surtax
250. Alternative Minimum Tax
251. Managing Your Earnings
252. Managing Your Investment Taxes
253. Retirement Accounts
254. Employer Plans
255. Matching Contributions
256. Leaving Your Employer
257. Trustee-to-Trustee Transfers
258. Net Unrealized Appreciation
259. Individual Retirement Accounts
260. Deducting IRA Contributions
261. Qualifying for a Roth IRA
262. Tax-Deductible vs. Roth Accounts
263. How to Think About That Tax Deduction
264. Further Nerdy Thoughts About That Tax Deduction
265. Roth Conversions
266. Converting Nondeductible IRAs to a Roth
267. Roth’s Five-Year Rule
268. Early-Withdrawal Penalties
269. MyRA
270. Tax-Deferred Fixed Annuities
271. Tax-Deferred Variable Annuities
272. Taxable Accounts
273. Income vs. Capital Gains
274. Wash-Sale Rule
275. Mutual Fund Taxation
276. Municipal vs. Taxable Bonds
277. Municipals vs. Taxable Bonds in a Retirement Account
278. Asset Location
279. Low-Income Years
280. Taxes in Retirement
281. Social Security Taxation
282. Required Minimum Distributions
283. Recordkeeping
Part XI: Borrowing—Buy Now, Pay by the Time You Retire
284. America’s Debts 2014
285. Five Steps for 2015
286. Credit Reports
287. Credit Scores
288. What Won’t Hurt Your Credit Scores
289. Identity Theft
290. Freezing Your Credit
291. Debt Ratios
292. Secured vs. Unsecured Debt
293. Tax-Deductible Interest
294. Mortgages
295. Fixed vs. Adjustable
296. Conforming vs. Nonconforming
297. Closing Costs
298. Refinancing
299. Home Equity Loans
300. Principal and Interest
301. Prepaying a Mortgage
302. Credit Cards
303. Credit Card Rewards
304. Credit Card Perks
305. Margin Loans
306. Loans From 401(k) Plans
307. Hardship Withdrawals
308. Life Insurance Loans
309. Car Loans
310. Buying vs. Leasing
311. Invest or Pay Down Debt?
312. Struggling With Debt
313. Overwhelmed by Debt
314. Bankruptcy
Part XII: Giving—Now You’ve Finally Got It, Maybe It’s Time to Give It Back
315. Five Steps for 2015
316. Now or Later?
317. Estate Planning
318. Estate Planning Checklist
319. Gift-Tax Exclusion
320. Smart Giving
321. Giving Appreciated Stock
322. Will
323. Disclaiming
324. Estate Planning When Married
325. Titling
326. Beneficiary Designations
327. Stretch IRA
328. Federal Estate Taxes
329. Unlimited Marital Deduction
330. State Estate Taxes
331. What to Bequeath
332. Trusts
333. Revocable Living Trusts
334. Children’s Trusts
335. Special Needs Trusts
336. Spendthrift Trusts
337. Irrevocable Life insurance Trusts
338. Bypass Trusts
339. QTIP Trusts
340. Asset Protection Trusts
341. Durable Powers of Attorney
342. Letter of Last Instruction
343. Getting Organized
344. Having the Talk
345. Investigating Charities
346. Deducting Charitable Contributions
347. Charitable Gift Annuities
348. Charitable Remainder Trusts
349. Charitable Bequests Upon Death
Part XIII: Life Events—Good Stuff, Bad Stuff and All Those Pesky Financial Decisions
350. Graduating College
351. Getting Started as an Investor
352. Coping With Market Declines
353. Moving in Together
354. Getting Married
355. Same-Sex Marriage
356. Having a Baby
357. Having a Baby When You’re a Same-Sex Couple
358. Off to College
359. Getting Divorced
360. Splitting Financially
361. Divorce and State Law
362. Changing Jobs
363. Losing Your Job
364. Nearing Retirement
365. Helping Elderly Relatives
366. After a Loved One’s Death
367. Settling an Estate
Part XIV: Rules of the Road—Keeping Yourself on Track in 2015
About the Author
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