The Bogleheads' Guide to Retirement Planning (56 page)

Read The Bogleheads' Guide to Retirement Planning Online

Authors: Taylor Larimore,Richard A. Ferri,Mel Lindauer,Laura F. Dogu,John C. Bogle

Tags: #Business & Economics, #Investing, #Personal Finance, #Business, #Business & Money, #Financial, #Non-Fiction, #Nonfiction, #Retirement, #Retirement Planning

BOOK: The Bogleheads' Guide to Retirement Planning
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Index
AARP
AB Disclaimer trust
Account management
Account ownership designations
Account statements
Actively traded funds
Activities of daily living (ADLs)
Actuaries
Adjusted basis
Adjusted gross income (AGI)
Administrators, selection process
Adult daycare
ADV Part II
Advance directives/living wills (AD/LW)
Advisers, listing of.
See also
Professional advice
After-tax savings
Age-based profit-sharing plan
Aggressive investments
Aging process
AIG Life Insurance
Air traffic controllers, government retirement plans
Alaska Natives, health care programs
Alimony
Alternative minimum tax (AMT)
A.M. Best Company
American Council on Gift Annuities (ACGA)
American Dream Savings Accounts.
See also
Roth IRAs
American Indians, health care programs
American International Group (AIG)
Annual gift tax exclusion
Annual income, shortfall in
Annual reports
Annual reviews
Annuitants
Annuities
Annuitization
Annulments
Antenuptial agreements
Art collections
Asset allocation
Asset classes
Asset list, estate planning
Asset protection strategies
estate planning
gift taxes
health insurance
importance of
income replacement, insurance
Assets, generally
noninvestment
under management (AUM) fee model
Assets subject to probate
Assisted living
Association group term life insurance
Attorney, advice from
Automatic investing
Automobiles
Auton, Larry
Average life expectancy
Average returns
Averson, Ralph
Baby boomer generation
Back-end loads
Bait and switch
Balanced portfolio
Bank accounts, interest from.
See also
Savings account
Bankruptcy
Banks/banking industry
Barclays Capital Aggregate Bond Index
Barnitz, Barry
Basis
Bear markets
Behavioral finance
Beneficiary/beneficiaries
Benz, Christine
Bequests
Berkshire Hathaway, BRK Direct
Bernstein, Bill
Bid/ask spreads
Blend stocks
Blue chip stocks
Blue-collar workers, disability insurance
Bogle, John Clifton
awards and recognitions
Boglehead reunions
books written by
childhood
educational background
family
as philanthropist
professional development
speaking engagements
Vanguard funds
Bogle Financial Markets Research Center
Bogleheads
books
characterized
Guide series
local chapters of
mission
online forums
reunions
Wiki
Bogleheads’ Guide to Investing, The
(Larimore et al.)
Bogleheads Internet forum
Bogleheads Wiki
“Bogle’s Folly”
Bond allocation
Bond funds
Bonds/bond investments
Bottoms, Dale
Bridging income, strategies for
Brokerage accounts
Brokerage firms
Brokers, fee structure.
See also
Commission sales
Budgeting
Bull markets
Bush, George W.
Business, generally
buy-sell agreements
income/loss
insurance
succession plan
transition of ownership
Buying high, selling low
Buying the distribution, avoidance of
Buy-sell agreements
Calculators, types of
California Public Employees’ Retirement System (CalPERS)
Canada
Capital gains .
See also
Capital gains tax
Capital gains tax
Capital improvements
Capital loss
Carey, Art
Carlson, Peter
Carryforwards
Carryover
Cash
Cash balance plan
Cash-equivalent securities
Cash flow
Casualty
Catch-up contributions
Certificates of deposit (CDs)
Certified financial planner (CFP)
Certified public accountants (CPAs)
Cestui que
trust
ChampVa
Charitable donations
Charitable gift annuities (CGAs)
Charitable remainder trusts
Chartered Financial Analyst (CFA)
Chartered Life Underwriter (CLU)
Chatzky, Jean
Checking accounts
Child-care expenses
Children
custodial Roth IRAs
early retirement and
education expenses
financial aid for
life insurance needs for
Medicaid coverage
personal exemption for
Social Security benefits for
Child support
Child tax credit
Churning
Civil Service Retirement System (CSRS)
Cliff vesting schedule
Closely held corporations
Closing costs
COBRA
Coin collections
Co-insurance
Collectibles, tax treatment of
College tuition
Colleges and universities, gifts to
Commission/commission sales
Commissioner’s Standard Ordinary 2001 Mortality Table
Commission-free transactions
Common law marriage
Common Sense on Mutual Funds
(Bogle)
Community property
Community service
Compensation
Complex products
Compounding
Computer software applications
Condominums
Conflicts of interest
Conservative investing/investors
Consumer Price Index (CPI)
Contingencies, defined benefit plans
Contingency planning
Continuing care retirement communities (CCRCs)
Conversation Tracker
Cooley, Philip L.
Coordinated care
Coordination of benefits
Copayments
Corporate bonds
Cost basis
Cost control
Cost-of-living adjustment (COLA)
Cost reduction strategies
Cox, Gail
CPI-indexed annuities
Credit, avoidance of
Credit card debt
Credit counselors
Creditors
Custodial care
Daily expenses
Damato, Karen
Day-to-day operations
Death
of annuitant
of beneficiary
defined benefit plans
estate planning (
see
Estate planning)
of family member
IRA withdrawals
joint tenancy with right of survivorship
managed payout funds
Debt
credit cards
gross estate and
paying off
prioritizing
Declining markets
Deductibles, medical insurance
Deferred compensation plans
Deferred taxes
Defined benefit (DB) employer retirement account
advantages of
annual benefit statements
benefit determination
benefits handbook
components of
contingencies
contribution limitations
defined
distributions
funding
information resources
investment risks
management of
mechanics of
minimum required funding
pension guarantees
private-sector plans
public-sector plans
receiving benefits
regulation of
target benefit plans
types of
valuation of
vesting
Defined contribution (DC) plans
account management
benefits of
defined benefit plan compared with
distributions
features of
information resources
rollovers
self-funded
types of
valuation
Dell Computer (DELL)
Dental expenses
Dependents, early retirement plans and.
See also
Children
Designation of health-care surrogate (DHCS)
Die-broke strategy
Dining out expenses
Disability
defined
in defined benefit plans
financial impact of
Social Security requirements
Disability income (DI) insurance
Disclaimers, in wills
Discretionary expenses
Distributions.
See also
Required minimum distribution (RMD); Withdrawal rate
Diversification
Dividends
Divorce
Documentation, in estate planning
Dogu, Laura
Dollar-cost averaging (DCA)
Donor, gift taxes
Down markets
Downsizing, benefits of
Durable power of attorney
Dynasty trusts
Early retirement
ages to consider
bridging income
budgeting for
case illustrations
defined
delaying, benefits of
disability
education expenses
employment status
family relationships
first year of
flexibility and
health care costs
household expenses
income needs
information resources
involuntary
psychological aspects
safe withdrawal rate (SWR)
success factors
travel
unemployment
unretiring
windfalls
Earned income
Economies of scale
Education expenses
Education loans
Efficient frontier
Elderly population
Elimination period
Elm Annuity Group
Emergency funds
Emergency health care
Emergency savings
Emerging markets
Emotional investments
Employee Benefit Research Institute
Employee benefits
Employee Retirement Income Security Act of 1974 (ERISA)
Employee stock ownership plan (ESOP)
Employer-provided benefits
Employment status
Enhanced life estate
Enron
Entertainment costs/expenses
Equities, tax-efficient
Equity asset class
Equity funds
Equity-indexed annuities
Equity investing
Equity to maximum loss
Estate life insurance
Estate planning
administrators, selection process
annuities
beneficiary designation
defined
divorce and
documentation requirements
fiduciaries, selection process
goals of
importance of
information resources
life estates
marriage
Medicaid and
ownership, types of
permanent life insurance
prenuptial/postnuptial agreements
probate
property titling
property transfer at death
remarriage
trustees, selection process
Estate settlement costs
Estate tax
Everson, Mark W.
Exchange-traded funds (ETFs)
Ex-dividend date
Executor
Exemption, generally
laws
state taxes
Exercise price
Expected returns
Expense ratio
Expert witnesses
EZ-Quote (Berkshire Hathaway)
Fair market value
Fama, Eugene
Family caregivers
Family-owned businesses
Family relationships
FDIC
Federal deficit
Federal Employees Retirement System (FERS)
Federal government defined benefit plans
Federal taxes
Fee-only financial planners
Ferri, Richard
Fidelity
Fiduciary/fiduciaries
Financial advisers
designations
ethics
fee structures
functions of
hourly bills
money manager distinguished from
qualifications
on risk
selection factors
types of
Financial disaster
bankruptcy
creditor’s rights
financial advice, sources of
information resources
IRA plans
prioritizing debt
savings accounts
trust accounts

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