How Much Capital Will I Need at Retirement ?
A financially-secure retirement is the result of understanding and answering these essential questions:

1. How much income will you receive when you retire ?
Age 60: _______ 62: _______ 65: _______ 67: _______
2, How many years must you be in the retirement plan before you become vested (entitled to benefits even if you separate from the employer)?

Some people think that retirement planning isn’t important because they won’t live until retirement.

Attending a seminar, reading books on personal finance, casually discussing money management or using computer software can help measure the dimension of your concern about these issues. They can also help you focus on the areas that need the most immediate attention, such as education funding or liability protection.

Expert guidance by professionals for the improved coordination of financial decision making to satisfy life and estate needs. Direction of portfolio (asset/liability) decisions. Fulfillment of portfolio needs through specific product and vendor choices.

The table presented below classifies total returns on stocks in the Standard & Poor’s 500 Index according to length of holding period and clearly demonstrates how time limits risks associated with volatility in stock prices. The data also shows that longer-term returns are satisfactory and commensurate with risk, but are not compatible with a get rich quick approach.