Get The Retirement Challenge: Will You Sink or Swim?: A PDF

By Frank Armstrong III

“Imagine that you just board an airliner and are instructed that you'll be piloting the airplane. Such is the plight of thousands and thousands of usa citizens, on whom were foisted a jumble of 401(k), 403(b), and 457 outlined contribution plans, and are in addition certified to control their retirement portfolios as they're to pilot a jet from l. a. to Boston. due to the fact that issues aren’t altering any time quickly, you may actually desire flying classes, and pronto. Frank Armstrong’s The Retirement problem: Will You Sink or Swim? is simply the floor tuition you need.”

–William Bernstein, writer of A most appropriate trade: How exchange formed the World and The 4 Pillars of making an investment: classes for construction a successful Portfolio


“Armstrong and Doss have written an easy and comprehensible advisor throughout the maze that's our monetary international. in the event that your target is to outperform nearly all of traders at the highway to retirement, The Retirement problem: Will You Sink or Swim? paves the way.”

–TAYLOR LARIMORE, coauthor of The Bogleheads’ consultant to Investing


“This is a smart guide for these making plans for retirement. Armstrong and Doss not just inform you easy methods to construct a plan, additionally they allow you to stay away from deciding to buy items from the wolves of Wall road that lead traders to be sheared like sheep.”

–LARRY SWEDROE, writer of The simply consultant to substitute Investments You’ll Ever Needand Wise making an investment Made Simple

“In today’s funding markets, this can be a useful e-book. in case you care in regards to the caliber of the remainder of your existence, you owe it to your self and your loved ones to learn The Retirement problem: Will You Sink or Swim?

–HAROLD EVENSKY, CFP®, AIF®, President, Evensky & Katz


In forty eight fast, useful classes, Armstrong indicates how one can check what you may have and what you’ll have to construct an easy, trustworthy retirement plan. higher but, the book’s effortless on-line calculators do all of the math for you. making an investment for retirement hasn't ever been so good and simple! Includes unfastened entry to complete Web-based instruments and assets at

  • More than seventy five easy-to-use on-line calculators and funds spreadsheets that can assist you get on course and remain on target
  • Sample asset allocation plans you could alter for any level of your profession and any portfolio
  • Up-to-the-minute updates on pension legislation, rules, enforcement, and property planning
  • Free Sink or Swim e-newsletter, and lots more and plenty more

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Read Online or Download The Retirement Challenge: Will You Sink or Swim?: A Complete, Do-It-Yourself Toolkit to Navigate Your Financial Future PDF

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Additional resources for The Retirement Challenge: Will You Sink or Swim?: A Complete, Do-It-Yourself Toolkit to Navigate Your Financial Future

Sample text

You buy costly investments. 18 percent. Or you can pay several percent in commission on your purchase and then spend close to 3% a year for a managed account, mutual fund, annuity product, or variable life insurance products. Those additional costs come right out of your returns. You are as likely to garner additional returns over and above the additional expenses as you are to see pigs fly. The most likely case is that you will under-perform the market by the amount of your additional expenses while bearing higher risk.

Very simple planning that incorporates basic financial theory combined with a little oldfashioned discipline can prevent all of these foibles. If you recognize some of your less-than-helpful habits, you can break them. Later, you see how to create highly effective portfolios that are low cost, low risk, and low tax exposure. If you can’t or won’t spend the time to do it yourself, seek a professional advisor’s help! Of course, finding the right advisor requires proper consideration. Otherwise, you can jump right out of the frying pan into the fire.

In addition, he had some rental property halfway across the country that he maintained. Unfortunately, he had to return to Florida in a couple of days because his wife had to go to work. She works only two days a week, which is just enough so she can keep her health insurance. She intends to continue part-time until she can quit 18 months shy of her 65th birthday. Then she will continue making payments on her health insurance under COBRA until she becomes eligible for Medicare. Although there are plenty of folks who get their gold watch, cash in their 401(k), hit the ground running, and never look back, Walter represents a new face of retirement.

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