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Imperial Library
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Index
Cover
Contents
Title
Copyright
Dedication
Preface
Acknowledgments
Introduction: Make the Most of Your Life!
Chapter 1: Why Fees Matter—The Coming “Retirement Plan Sticker Shock”
What’s a Little Fee Between Friends?
Do You Have an Extra $1 Million You Could Spare?
Think of Your Retirement Plan Savings and Expenses Like a Mortgage
Not All Fees Are Bad
The Biggest Expenses Have the Least Value
The Missing Link
Chapter 2: Types of Expenses Dragging Down Your Retirement Funds
Expense Ratios
Revenue Sharing
Custodial Costs
Administration and Record-Keeping Costs
Wrap Fees, Consulting, and Advisory Fees
Mortality and Expense Charges
Surrender Charges
Fund-of-Fund Fees and Life-Cycle Fund Fees
Chapter 3: The Price to Your Lifestyle of Needless Expenses
Uncertainty Is CERTAIN
Soup Lines and Scare Tactics
Uncertainty Is Manageable but Not Controllable
The Comfort and Confidence Zone
Chapter 4: Complaining Without Sounding Like a Complainer
You Can Determine Your Retirement Plan
What Do You Do with These Numbers?
Chapter 5: Rallying Your Troops—Just One Coworker Can Help
Water Cooler/Lunch Room/Happy Hour with Peers
Subordinates and Immediate Superiors
Chapter 6: What Happens If My Employer Ignores Us?
What Is Reasonable?
Paying $75,000 for a Camry?
Contact the Labor Department
Chapter 7: Now That My Retirement Plan Is Fixed, How Can I Make the Most of My Life?
More Bait and Switch
The Benefits of Stopping the Retirement Rip-off!
The Only Thing Constant Is Change
The Markets Are Not the Only Things that Are Uncertain
Chapter 8: Resources, Investment Selection, Asset Allocation, Tools, and Advice
Investment Selection
The Risk of Underperforming Is Higher than the Chance of Outperforming
Asset Allocation
Questionnaire
Scoring
“Age”-Based Investing, “Life Cycle,” and “Target Date” Funds
Life-Relative Allocation
How Do We Know that Fees More Than 0.75 Percent Are Too High?
Using the Appendix A Tables to Estimate the Price of Excess Fees in Your Life
Chapter 9: How Much Is That Guarantee in the Window?
Stealing Your Bucket List from You
Emotions and Reason
Avoid Needless Risk
Chapter 10: Hidden Expenses in Government Union and Some 403(b) Plans
Teacher Abuse
New Regulations, Old Conflicts
NEA and AARP
Chapter 11: Summary
Control What Is Controllable
Appendix A: Lifestyle Prices of Excessive Retirement Plan Expenses
Appendix B: ABC Plan-401(k) Plan Fee Disclosure Form
About the Author
Index
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