How Much Money Do I Need To Retire?

How Much Money
Do I Need To Retire?

The secrets to a stress free retirement revealed


Inside your free special report you’ll uncover...

And much more...

How Much Money Do I Need to Retire
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If you have more questions than answers about the security of your retirement funds, it’s okay, you are not alone. Most people, at some point, realize that they have gaps in their understanding of retirement planning. So, if you want to become more assured of your ability to secure a healthy nest egg for retirement, you’ve come to the right place. We’ve created this special free report to help you answer several important questions about your retirement.

If you’ve ever asked any of the five questions below, sign up for our free report, which will answer everything you need to know for a stress free retirement.

Part 1:

How much money do I need to retire?

In the good old days, employees never needed to ask the question, “How much money do I need to retire?” Jobs came with traditional “defined benefit” pensions, which paid out guaranteed monthly benefits for life. As long as you were a good employee who stayed with your company, a comfortable retirement was taken care of.

However, nowadays, what most of us have are “defined contribution” retirement plans. Under “defined contribution” plans, your employer or plan administrators do not guarantee investment results (i.e., the monthly benefit received by the employee at retirement).

This means that investment results have become the responsibility of the employee, based on how much he/she contributes to the plan and the performance of the mutual funds he/she selects. This trend of shifting responsibility from pension plans to actual members means that individuals need to be aware of their savings and contributions more than ever before.

In part 1 of our free report, you’ll uncover several easy-to-implement techniques that will ensure your retirement plan stays well-funded. You will also learn the simple trick financial planners use to quickly estimate the lump sum of cash you will need to start your retirement.

Part 2:

How much money do I need to save now?

Determining the end game—what lump sum you need at retirement—is only part of the problem. A vital question that remains is how to determine how much you need to periodically save NOW in order to achieve the needed lump sum you determined by answering the question posed in Part 1 of How Much Money Do I Need to Retire.

Unfortunately, the more vital a question, the more difficult it usually is to answer. An accurate calculation of current savings requirement involves many different variables. Some inputs are easy (e.g., current savings and expected retirement date) but all the rest are difficult to estimate accurately:

  1. Will the Inflation rate be 3% or 6%?
  2. Will you live to 80 or 95?
  3. Will my pension and social security still be around in 30 years and will they have cost-of-living adjustments?
  4. Will the tax rate be 20% or 35%?

While these questions are tough to answer even for the most seasoned professionals, there are several tools you can use that will minimize the volatility in your portfolio caused by fluctuations in the economy. In part 2 of our free report, you’ll discover how to utilize the same easy-to-use tools retirement professionals rely on to estimate how much you will need to save each month to retire stress free.

How Much Money Do I Need to Retire
Sign up for our free report, How Much Money Do I Need To Retire, to uncover the secrets for a stress free retirement and we’ll also send you a FREE subscription to Stocks to Watch.

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Part 3:

How do I minimize taxes and
decide between Roth vs a Traditional IRA?

It makes sense to minimize the tax bite of Uncle Sam. Maxing out on tax-deferred retirement plans such as your employer’s 401K and your IRA is an important part of any retirement plan. Savings on tax costs may determine whether you achieve a nest egg of sufficient size to meet your retirement spending needs. In part 3 of How Much Money Do I Need To Retire, you’ll be armed with the skills to confidently choose the right IRA for your savings and avoid making common mistakes that silently eat away at your savings.

Part 4:

What is product allocation and sequence of returns risk?

Life is full of potential pitfalls and building your retirement nest egg is not immune. Even if you do everything right: (1) accurately calculate your retirement spending need, (2) save enough now to generate a large enough nest egg, and (3) allocate your investments to the appropriate type of account to minimize taxes, you still could end up short of your goal. The reasons? Inflation, living a long time, and sequence of return risk. Poorly-timed market declines, which are out of your control, can wreak havoc on the size of your retirement nest egg. In part 4, you’ll discover how using just three retirement products can protect your retirement nest egg from almost any existing threat.

Part 5:

How can I maximize investment returns?

When investing for retirement, higher returns mean that your financial goals can be accomplished in less time, using less capital. For example, a portfolio that averages 10% returns over 30 years will end up with three times as much money as a portfolio that averages 6%. As a result, the ability to squeeze out just a couple more percentage points a year could lead to a more comfortable and freeing retirement. In part 5, you’ll uncover one of the most cost effective ways to transform a good retirement portfolio into a great retirement portfolio.

Sign up now to my free retirement report, How Much Money Do I Need To Retire, and take the guesswork out of your retirement planning.

Profitably yours, 


Jim Fink, CFA 
Investment Analyst, InvestingDaily.com
Investing Daily 
7600A Leesburg Pike
West Building, Suite 300
Falls Church, VA 22043

How Much Money Do I Need to Retire
Sign up for our free report, How Much Money Do I Need To Retire, to uncover the secrets for a stress free retirement and we’ll also send you a FREE subscription to Stocks to Watch.

Please enter your e-mail address:

Privacy Policy