Oct 01 2009
Baby Boomers and Retirement: Top 4 Must Do’s Before You Plan
For the Baby Boomers and Midlifers, this October – the Month of The Harvest Moon!: The focus is on Planning for Retirement. We’re talking about finance, and lifestyle choices. Planning for those days when after all your hard work you can “harvest” the rewards – whether that means travel, time, golf, or doing just what you want with your life.
Guest author Scott Martin suggests a way to begin the plan.
. . . . .
Retirement Planner Calculator – Top 4 Must Do’s Before You Even Begin
Retirement Planner Calculator – Top 4 Must Do’s Before You Even Begin
By Scott Martin
No matter how old you are making retirement calculations should be high on your agenda. The earlier you start to think about creating a nest egg the easier your retirement will be. So what is the best retirement planner calculator to use?
Most financial planning software tends to focus on regular contributions to you retirement fund and ways to save on tax. These are both great ideas but I like to concentrate on a proactive investment strategy. Let’s face it
“most retirement funds are going backwards”
Let’s have a look at where most retirement planner calculators get it wrong:
Firstly they rely on other people to run and manage your fund. Secondly they rely on these fund managers actually producing positive returns. The financial advice system is designed to make people feel like it is too hard to manage your own money. The best advice I ever got was look after your own money because as you well know ‘nobody looks after it like you do’.
Learning to manage your own money is the most important fact that all financial planning agents forget to mention. Obviously they don’t want you to do this as it would put them out of a job.
Retirement Planner Calculator – Top 4 MUST DO’s Before You Even Begin
1. Expand your investment knowledge so that you understand what are where you money is invested
2. Find a broker/financial planner that has RESULTS. If they aren’t a successful investor themselves how are they going to help you?
3. Decide on when you would like to retire
4. Decide how much money you need per annum to live on
After you have done these simple things it is up to you to create an investment strategy that can produce consistent returns. Once you have achieved this you can start to estimate what sort of percentage returns you can create. Then it is simply a matter of working out how much savings you will require to earn this amount passively. For instance if you Retirement Planner Calculator says that you require $75,000 per year and you can earn 15% annually then you would require $500,000 in savings to create this amount.
The most important fact when calculating your retirement is to be proactive and increase your investment knowledge.
So are you serious about creating a Rich & Happy Retirement?
“I have never seen a retirement system that is so complete”
Get Your Free Retirement Planner Calculator DVD Today!
http://sharespropertymoney.com is a Free Investment Resource that is currently offering every visitor a Free ‘How to Retire Early & Rich’ DVD & Ebook
Do you want to Retire Within the Next 3 Years?
Article Source: http://EzineArticles.com/?expert=Scott_Martin
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