The Bogleheads' Guide to Retirement Planning 9780470552865, 0470552867

Table of contents :
""Praise""
""Title Page""
""Copyright Page""
""Dedication""
""Foreword""
""Preface""
""THE BOGLEHEADS""
""THE COMING RETIREMENT BOOM OR BUST""
""ABOUT THIS BOOK""
""CHAPTER REVIEWS""
""Acknowledgements""
""PART I --
THE BASICS""
""CHAPTER ONE --
The Retirement Planning Process""
""INTRODUCTION""
""LIFE IN RETIREMENT AND YOUR RETIREMENT WELL-BEING""
""WHEN TO BEGIN THE RETIREMENT PLANNING PROCESS""
""THE TIME VALUE OF MONEY AND OTHER IMPORTANT CONCEPTS""
""CALCULATING YOUR NUMBER""
""LIFESTYLE IMPACT ON SETTING A RETIREMENT DATE"" ""LIFESTYLE CONSIDERATION: THE COST OF TRANSPORTATION""""HOW TO CALCULATE YOUR NUMBER""
""A WARNING ABOUT USING SCIENCE IN FINANCIAL PLANNING""
""BUDGETING FOR RETIREMENT""
""ADDITIONAL STRATEGIES TO CLOSE AN ANNUAL INCOME GAP""
""CHECKING ON YOUR PROGRESS AND MAKING ADJUSTMENTS""
""ANNUAL AFFORDABLE SPENDING CALCULATIONS""
""CHECKING STRATEGIES AND TRACKING PROGRESS""
""LIFE’S UNKNOWNS AND THEIR IMPACT ON RETIREMENT PLANNING""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""CHAPTER TWO --
Understanding Taxes""
""INTRODUCTION""
""WHY AMERICANS SHOULD UNDERSTAND U.S. TAX LAW"" ""FEDERAL INCOME TAXES""""TYPES OF INCOME FOR TAX PURPOSES""
""FEDERAL TAXES ON SOCIAL SECURITY INCOME""
""ALTERNATIVE MINIMUM TAX (AMT)""
""STATE TAXES""
""LOCAL TAXES""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""PART II --
SAVINGS ACCOUNTS AND RETIREMENT PLANS""
""CHAPTER THREE --
Individual Taxable Savings Accounts""
""INTRODUCTION""
""TYPES OF TAXABLE ACCOUNTS""
""TAX LOSS HARVESTING""
""MINIMIZING TAXES""
""NONRETIREMENT TAXABLE ACCOUNTS""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""CHAPTER FOUR --
Individual Retirement Arrangements""
""INTRODUCTION"" ""IRAS DEFINED""""CONGRESS MAKES IRA LAW""
""SPECIFIC IRA RULES AND BENEFITS""
""ROTH IRA VERSUS TRADITIONAL IRA""
""IMPORTANT ADDITIONAL INFORMATION""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""CHAPTER FIVE --
Defined Benefit Employer Retirement Account""
""INTRODUCTION""
""DEFINING DEFINED BENEFIT PLANS""
""HOW DEFINED BENEFIT PLANS WORK""
""TRENDS IN PRIVATE-SECTOR DEFINED BENEFIT PLANS""
""PUBLIC-SECTOR PLANS""
""KNOW YOUR PLAN""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""CHAPTER SIX --
Defined Contribution Plans""
""INTRODUCTION"" ""TYPES OF DEFINED CONTRIBUTION PLANS""""OTHER DEFINED CONTRIBUTION PLANS""
""MANAGING YOUR ACCOUNT""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""CHAPTER SEVEN --
Single-Premium Immediate Annuities""
""INTRODUCTION""
""SPIA BASICS""
""HOW ANNUITIES WORK""
""CHARITABLE GIFT ANNUITIES""
""ANNUITIZATION STRATEGIES""
""THE SAFETY OF SPIAs""
""AN IMPORTANT NOTE ABOUT INCOME FROM SPIAs""
""MANAGED PAYOUT FUNDS""
""ADDITIONAL RESOURCES""
""CHAPTER SUMMARY""
""PART III --
MANAGING YOUR RETIREMENT ACCOUNTS""
""CHAPTER EIGHT --
Basic Investing Principles""
""INTRODUCTION""