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This free newsletter provides investment education in easy to understand terms, to help you, the individual investor.

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Colleen's Corner

Asset Allocation

Often financial "experts" make asset allocation difficult to understand. My goal in this series of articles is for you to understand asset allocation thoroughly, in an easy to understand format.
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Retirement Problems and You

Colleen Mulder-Seward, MBA
Retirement Calculator, Inc.
Retirement Problems and You

Several potential retirement problems are faced by retirees:

  1. Is my pension secure?
  2. Will Social Security be there for my retirement?
  3. What will my retirement costs be?
  4. How will early retirement affect how comfortable my retirement will be?
  5. How much money can I withdrawal from my retirement account each year?
  6. What will my retirement outcome be if I stay with the plan I have made?
  7. Will my money last throughout my entire retirement?
  8. What can I do to keep myself informed of the latest retirement issues?

1) Pensions used to be a secure source of retirement income.  Unfortunately, that is no longer the case.  Several major companies in the steel and airline industries have already defaulted on their pension plans.  There is speculation that the next major industry to default on their pension plans will be the automotive industry, including both automotive manufactures and automotive suppliers alike.

2) Assuming that Social Security is secure, from the U.S. government's own web site, "...Under current law, if you have average earnings, your Social Security retirement benefits will replace only about 40 percent, so you'll need to supplement your benefits with a pension, savings or investments."   

3) Most financial experts say you need at least 75 percent of your pre-retirement income in retirement to live comfortably in retirement. 

4-7) The Retirement Calculator at can help you to create your retirement income plan. Using the retirement calculator, you can view your retirement savings balance and plan your withdrawals for each year until the end of your retirement.  The results of your input assumptions are revealed instantly.

8) Sign up for the Retirement Intelligence Information Services newsletter which provides investment education in easy to understand terms, to help you, the individual investor.  The service is absolutely 100% FREE for everyone.  Providing intelligent retirement information is our passion.

Through the Retirement Intelligence Information Services newsletter, you will become informed and empowered to take over control of your investments.  Topics covered by the Retirement Intelligence Information Services newsletter include:

  1. The Retirement Calculator 2.0 (a $24.95 value). 
  2. Introduction to multiple Multi-Million Dollar business opportunities.
  3. Health Insurance and Health Care Costs
  4. Retirement News Letters
  5. Where to Retire Resources
  6. Retirement Communities
  7. Retirement Planning Resources
  8. Asset Allocation Strategies
  9. Money Manager
  10. Jobs over 55
  11. Internet Technologies and Services
  12. Computer Training Information and Resources
  13. Annuities and Long Term Care
  14. Estate Planning
  15. Senior and Retirement Websites
  16. Financial e-Books
  17. Retirement Products and Services
  18. Meeting people and making long lasting Friendships

In addition, Retirement Intelligence Information Services newsletter subscribers are encouraged to submit questions or topics you would like to see covered in the newsletter.  Colleen Mulder-Seward is our newsletter author and can be reached at .

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