Kotlikoff on Social Security: If You Go Back To Work, Can You Stop Benefits And Restart Them Later?

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By Laurence Kotlikoff, RealDealRetirement, @RealDealRetire

I plan to start taking Social Security payments at 62. If I decide to go back to work, can I stop the payments and then resume them when I’m no longer working? More»

How To Prevent Lower Investment Returns From Derailing Your Retirement

By Walter Updegrave, RealDealRetirement @RealDealRetire

TrainTrack-OnTrack

The biggest challenge facing investors today are low-yields and the prospect of anemic investment gains in the years ahead. Here’s how to prevent subpar long-term returns from derailing your retirement and other financial goals. More»

Your 3-Step 15-Minute Retirement Plan

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Want to get serious about preparing for retirement? Get a plan. A 2014 Wells Fargo survey found that middle-class Americans who have a written retirement plan saved four times as much as those without one. Fortunately, a plan doesn’t have to be complex to be effective. In fact, putting together a perfectly acceptable one can be as easy as 1-2-3. More»

How Much Can I Safely Pull From Retirement Savings Each Year?

By Walter Updegrave, RealDealRetirement @RealDealRetire

MoneyBagMan

Ask Real Deal Retirement

I’m trying to figure out how much I can withdraw from savings each year so I won’t outlive my nest egg. I’ve often heard that 4% is the right amount. Is that correct?

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The One Investment You Need Most For A Successful Retirement

By Walter Updegrave, RealDealRetirement @RealDealRetire

Veer-smokinglightbulb

Whether you’re still building your nest egg or tapping it for income, you need to re-evaluate your investing strategy in light of lower projected investment returns in the years ahead. The upshot: Unless you’re putting most of your money into low-cost index funds and ETFs, you may very well be jeopardizing your shot at a secure retirement. More»

3 Ways To Rescue Your Retirement If You’ve Fallen Behind

By Walter Updegrave, RealDealRetirement @RealDealRetire

LifePresever

Ask Real Deal Retirement

I’m in my late 50s and not as prepared for retirement as I’d like to be. I have the equivalent of about one year’s salary saved in my 401(k) and that’s about it. What can I do improve my retirement prospects?

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4 Retirement Mistakes That Can Cost You $250,000 Or More

By Walter Updegrave, RealDealRetirement @RealDealRetire

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We tend to think the mistakes that derail retirement are the ones that are inflicted on us: an investment that implodes; an adviser who dupes us; a market crash that decimates our nest egg. In fact, the costliest errors are ones we make ourselves, often without realizing how much damage we’re doing. Here are four of the biggest, plus tips on how to avoid them. More»