The Bogleheads' Guide to Retirement Planning (57 page)

Read The Bogleheads' Guide to Retirement Planning Online

Authors: Taylor Larimore,Richard A. Ferri,Mel Lindauer,Laura F. Dogu,John C. Bogle

Tags: #Business & Economics, #Investing, #Personal Finance, #Business, #Business & Money, #Financial, #Non-Fiction, #Nonfiction, #Retirement, #Retirement Planning

BOOK: The Bogleheads' Guide to Retirement Planning
2.75Mb size Format: txt, pdf, ePub
withdrawals from retirement plans
Financial goals
Financial habits
Financial Industry Regulatory Authority (FINRA)
Financial markets, impact of
Financial plan
Financial planners, functions of
Financial planning
FIRECalc
Firefighters, government retirement plans
First Investors Trust
Fitch Ratings
Fixed immediate annuities
Fixed-income investments
Flat-fee advisers
Flat tax philosophy
Flexible spending account (FSA)
Forbes, Malcolm
Forecasting
Foreclosure
Foreign estate taxes
Foreign tax credit
Fortman, Joe
Four-in-One fund
401(k) plans
annuities in
automatic
borrowing from
bridging income
characterized
conservative investments
contribution limits
contributions to
employer matched contributions
features of
fees
fiduciary responsibility
information resources
international funds in
life cycle funds in
limitations of
loans from
management of
matched contributions
opting out
rebalancing considerations
rollovers
self-direct accounts
size of
solo, (
see
Solo 401(k) plans)
tax-advantaged
thrift savings plan (TSP) compared with
unsuccessful investments
withdrawals from
403(b) plans
annuities in
contribution limits
contributions to
features of
fees
fiduciary responsibility
information resources
international funds in
limitations of
loans from
management of
matched contributions
opting out
rollovers
self-directed accounts
size of
withdrawals from
457 plans
contribution limits
features of
fees
fiduciary responsibility
limitations of
loans from
management of
matched contributions
opting out
rollovers
self-directed accounts
size of
withdrawals from
Frakt, Alex
Franklin, Benjamin
Fraud
Free Application for Federal Student Aid (FAFSA)
French, Ken
Front-end loads
Full retirement age (FRA)
Full-time employment
Funding
importance of
information resources
priority of sources
Funeral expenses
Future value
Gains and losses, short- and long-term
Garrett, Sheryl
Garrett Planning Network
General investing
Generational planning.
See also
Estate planning
Generation-skipping transfer tax (GSTT)
Genworth Financial, Cost of Care Survey
Gift annuity.
See
Charitable gift annuities (CGAs)
Gift taxes
annual exclusion
basis of property acquired by gift
filing requirements
historical
information resources
law
property gifting
tax rates
types of
Globerson, Paul and Linda
Goal-setting
Gold investments
“Good life,” defined
Government bonds
Government defined benefit plans
Government employees
Government health insurance programs
Government pension offset (GPO)
Graduated vesting schedule
Grantor retained annuity trust (GRAT)
Grantor retained unitrust (GRUT)
Grocery bills
Gross estate
Gross income
Group term insurance
Growth funds
Growth investing
Guarantees, pension
Guaranty associations.
See also
State guaranty associations
Guaranty Corporation
Guru Guide to Money Management
(Boyett/ Boyett)
Half-retirement
Happiness, sources of
Health-care aides
Health-care costs/expenses
Health insurance
brokers
deductibles
development of
importance of
information resources
long-term care insurance
medical insurance
postretirement
premiums
supplemental policies for retirees (Medigap)
Health maintenance organizations (HMOs)
Health savings account (HSA)
Healthy practices
Hedge funds
Hender, Sherri
Hewlett-Packard (HP)
High-deductible health plan (HDHP)
High-net-worth individuals
HIPAA (Health Insurance Portability and Accountability Act of 1996)
Historical returns
Hobbies
Holding period
Home
downsizing
equity in
income from
sale of
Home equity line of credit (HELOC)
Home equity loans
Home health care
Homestead statute
Hospice care
Hospital insurance
Hot funds
Household expenses
Household furnishings
Household workers
Housing market.
See also
Home
Hubbard, Carl M.
Hybrid advisers
Illiquidity
Immediate income annuities
Immunizations
Income, generally
deferred
gap
generation
portfolio
tax (
see
Income tax)
Income tax
Indemnity plans
Index funds
Indian Health Service (IHS)
Individual ownership
Individual retirement accounts.
See
IRAs
Inefficent mutual funds
Inflation
Inflation-adjusted returns
Inheritance
In-network providers
Insolvency
Insurance.
see specific types of insurance
adjustments to
deductibles
importance of
planning for (
see
Insurance planning)
Insurance agents
functions of
selection factors
Insurance company, annuities
Insurance planning
for business needs
disability income
estate settlement costs
importance of
information resources
life
needs analysis
pension maximization
shopping process
wealth accumulation
Interest-free loans
Interest income.
See also
Interest rates
Interest rates
Internal Revenue Code
Internal Revenue Service (IRS)
functions of
72(t) exemption
tax tables
wash sale rule
web site
International Board of Standards and Practices for Certified Financial Planners (IBCFP)
International funds
Internet savings accounts
Intestate succession statute
Investing mistakes
information resources
types of
Investing principles
cost control
diversification
income portfolio
information resources
rebalancing
success factors
total return portfolio
Investment costs.
See also
Commission; Expense ratio; Transaction costs
Investment expenses
Investment firms, functions of.
See also
Brokerage firms
Investment-grade bonds
Investment income
Investment manager, financial adviser
vs.
Investment philosophy, sample
Investment plan
Investment policy statement (IPS)
IRAs.
See
Roth IRA; Traditional IRA
after-tax
beneficiaries
benefits of
borrowing from
catch-up contributions
contribution limits
conversions
defined
distributions
evolution of
fees
flexibility in
income limits
information resources
legislation
life cycle funds in
nondeductible
penalties for withdrawal
rebalancing considerations
required minimum distributions
rollovers
self-employed
SEPP program
spousal
stretch
target retirement funds
tax-advantaged
tax-deferred
transfers
valuation of
withdrawals from
Irrevocable life insurance trusts (ILITs)
Irrevocable trusts
IRS publications, information resources
IRS tax forms
Form 56
Form 706
Form 1040
Form 1040, Schedule D
Form 1099-DIV
Form 1099-INT
Form 1099-R
Form 6251
Form SS-4
Form W-2
iShares Dow Jones U.S. Index (IYY)
Jewelry
Job changes, insurance considerations
Joint accounts
Joint and survivor annuity
Joint annuities
Joint life expectancy
Jointly owned property
Joint ownership
Joint tax returns
Joint tenancy with right of survivorship
Junk bonds
Kahneman, Daniel
Key-person insurance
Kickbacks
Kirtland, Dave
Labor unions
Large-cap funds
Large cap stocks
Larimore, Taylor
Law enforcement, government retirement plans
Lawsuit settlements
Layoffs
Lead trusts
LeBoeuf, Michael
Lee, Don
Legal fees
Legal issues
Legislation
American Recovery and Reinvestment Tax Act of 2009
COBRA
Economic Growth and Tax Relief Reconciliation Act of 2001 (2001 Tax Act)
Employee Retirement Income Security Act of 1974 (ERISA)
HIPAA (Health Insurance Portability and Accountability Act of 1996)
Investment Advisor Act of 1940
Pension Protection Act of 2006
tax laws, generally
Taxpayer Relief Act of 1997
Tax Reform Act of 1986
transfer of property at death
Uniformed Services Former Spouses Protection Act
Uniform Gifts to Minors Act
Lehman Aggregate Index
Lehman Brothers
Leisure activities
Liar’s Poker
(Lewis)
Lies Your Broker Tells You
(Saler)
Life annuity.
See also
Annuities
Life cycle funds
Life estates
Life expectancy
Life insurance
beneficiaries
cash value
death benefits
estate settlement costs
family and dependents
importance of
income needs
irrevocable trusts
needs analysis
permanent
policy termination
premiums
probate process
purpose of
settlement options
shopping for
term
types of
Life plan
Life span
Lifestyle
Life tenant
Limited partnerships
Lindauer, Mel
Liquidation
Liquidity
Living expenses
Living will
Load funds
Loans, types of
Local government, defined benefit plans
Local taxes
Longevity
Long-term bonds
Long-term capital gains
Long-term care
Long-term care (LTC) insurance
cost of
coverage
elimination period
employer-provided
exclusions
importance of
individual policies
inflation protection provision
information resources
limitations
long-term care defined
Medicaid
Medicare
nonforfeiture benefits
partnership policies
premiums
purchase process
renewability
restoration of benefits
shared benefit coverage
Long-term disability (LTD)
Losses, portfolio diversification and
Lottery winnings
Low-income earners/taxpayers
Low-risk investors
Lump sum payments/distributions
Madoff, Bernie
Mahaney, Jim
Managed payout funds

Other books

Running Scarred by Jackie Williams
White Collar Wedding by Parker Kincade
The Ambitious Madame Bonaparte by Chatlien, Ruth Hull
Blood and Feathers by Morgan, Lou
More Than One Night by Marie Tuhart
Arctic Summer by Damon Galgut
Sydney Bridge Upside Down by David Ballantyne
Going for Gold by Annie Dalton