The Bogleheads' Guide to Retirement Planning (58 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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Management fees
Mansueto, Joe
Marginal tax bracket
Marginal tax rate
Marital status, significance of
Market conditions, impact of
Market downturns.
See also
Declining markets
Market moves, reaction to
Market price
Market rallies
Market risk
Market value
Marriage, defined by Social Security
Married couples .
See also
Married couples, filing jointly; Married couples, filing separate returns
Married couples, filing jointly
Married couples, filing separate returns
Matched contributions
Medicaid
Medical expenses
Medical Information Bureau (MIB)
Medical insurance
access to
employer-provided
government health plans and accounts
health savings accounts (HSAs)
high-deductible health plan (HDHP)
indemnity plans
for individuals
information resources
managed care plans
maximum plan limits
medical care providers
Medigap
for self-employed
terminology
types of
Medicare
Medigap
MetLife
Mid-America Foundation
Mid-cap stocks
Mid-career investors
Military personnel
disability benefits
divorce issues
early retirement
health care programs
pensions
retirement plans
Social Security benefits for
Moderately inefficient mutual funds
Modern economics
Modern portfolio theory (MPT)
Modified adjusted gross income (MAGI)
Money management
Money market accounts
Money market funds
Money purchase pension plans
Monte Carlo simulation analysis
Moody’s
Moral hazard
Morgan, Walter
Morningstar Vanguard Diehards Forum
Morris, Charles
Mortality charges
Mortality credits
Mortgage-backed bonds
Mortgage loans
Moving average
MSNMoney.com
Multiple-asset allocation
Multiple sclerosis
Municipal bonds/municipal bond funds
Mutual Benefit Life
Mutual funds
bonds
broad-based low-expense
capital gains
characterized
CREF
dollar cost averaging
expense ratio
fees
health savings account
low-cost
overpriced
risk management strategies
selection factors
stock
tax efficiency of
tax loss harvesting
tax treatment of
top-performing
trading costs
12b-1 fees
National Association of Consumer Bankruptcy Attorneys
National Association of Personal Finance Advisers (NAPFA)
National Association of State Comprehensive Health Insurance Plans
National Association of State Retirement Administrators
National Bureau of Economic Research
National Federation of Credit Counselors
National Organization of Life and Health Insurance Guaranty Associations (NOLHGA)
Natural disasters
Near retirement investors
Needs, wants distinguished from
Net worth
Net worth statement
New Money Dynamics
(VanCaspel)
No-commission/no-cost trading
No-load funds
Nondeductible IRAs
Non-life cycle funds
Nonprofit organizations, charitable gift annuities (CGAs)
Non-qualified annuity, features of
Nonretirement assets
Nonretirement taxable accounts
Normal retirement age
Notice to creditors
Number, savings, calculation of
Number, The
(Eisenberg)
Nursing homes
Office of General Counsel of the New York State Insurance Department
Old-Age, Survivors, and Disability Insurance (OASDI)
Older investors, strategies for
Online banking
Opportunity cost
Ordinary income
Ordinary life estate
Out-of-pocket expenses
Overpriced funds
Ownership
Partial disability
Partnerships
Part-time employment
Payable on death (POD) accounts
Payroll taxes
Penalties, IRA withdrawals
Pension Benefit Guaranty Corporation (PBGC)
Pension/pension plans
Performance of funds, chasing
Period certain
Permanent insurance
Permitted disparity
Personal accounts
Personal care expenses
Personal property
Phillips, Don
PIMCO Total Return
Point of service (POS) health plans
Political activities
Ponzi scheme
Portfolio, generally
annual checkup
annual review of
diversification
rebalancing
tax management
turnover in
Powers of attorney
Preferred provider organizations (PPOs)
Premarital agreements
Premiums
Prenuptial/postnuptial agreements
Prescription drug insurance
Present value
Preventive care
Primary residence, defined
Principal Financial Group
Private-activity bonds
Private-sector defined benefit plans
Probate
Professional advice
financial advisers
information resources
money managers
need for
second opinions
Profit-sharing plan
Property
basis of
gifting
rights
sale of
taxes
titling
transfer at death
types of
Proprietary funds
Prospectuses
Providers, medical care, defined
Psychological factors
Public education employees
Public housing assistance
Public-sector defined benefit plans
Qualified annuity, features of
Qualified corporate dividends
Qualified domestic relations order (QDRO)
Qualifying terminable interest property
Quality of life
Railroad retirement benefits
Railroad workers
Rating agencies
Rational Decumulation
(Babbel/Merrill)
Real estate.
See also
Home; Personal property
Real property
Rebalancing
Recreational activities
Redemptions
REDUX system
Refinancing
Registered investment adviser (RIA)
Reinvestment
REITs
Relative value
Relocation
Remainderman
Remarriage
Renewability, disability insurance (DI)
Rental property
Replacement income
Required minimum distribution (RMD)
Respite care
Retail index mutual funds
Retirement, generally
duration of
evolution of
goals for
reasons for
Retirement age .
See also
Normal retirement age
Retirement date
Retirement Living Information Center
Retirement plans/planning
asset allocation
components of
divorce, impact on
goals
information resources
investment policy statement (IPS)
life expectancy and (
see
Life expectancy)
noninvestment assets
plan development
plan implementation
risk management
success factors
taxation considerations
withdrawals from
Revenue sharing
Reverse mortgages
Reversionary interest
Revocable trusts
Riders, disability insurance (DI)
Risk assessment tools
Risk-averse investors
Risk-free funds
Risk-free rate of return
Risk management
Risk minimization strategies
Risk profile
Risk-return analysis
Risk-reward analysis
Risk tolerance
Roth, William
Roth 401(k)
Roth IRA
catch-up contributions
contributions to
conversion to
cost comparison
custodial
defined
establishment of
features of
income limits
limitations of
relative value of
rules
solo
stretch
tax benefits from
traditional IRA compared with
withdrawals from
Royalties
Rule of
Sabbaticals
Safe withdrawal rate (SWR)
Sales loads
Sales taxes
Same-sex marriage
S&P 500
Savings account, individual taxable
capital gains
characterized
high-interest
income tax
information resources
nature of
nonretirement taxable acounts
tax loss harvesting
tax minimization strategies
types of accounts
Savings bank life insurance (SBLI)
Savings bonds
Savings habits
Savings plan
Scams
Schultheis, Bill
Scientific formulas, avoidance of
Second homes
Second marriages.
See also
Remarriage
Securities and Exchange Commission (SEC)
Self-directed accounts
Self-employed IRAs
Self-employment
Self-insurance
Self-settled trusts
Sell high, buy low strategy
SEP
SEP-IRA
Settlement fees
72(t) exemption
Short-term disability (STD)
Sibilski, Carl
SIMPLE (Savings Incentive Match Plan for Employees) IRA
Single-life annuity
Single-parent families
Single-premium immediate annuity (SPIA)
charitable gift annuities (CGAs)
compared with other investments
contract terms
defined
features of
fees
gender differences
guaranteed periods
income from
inflation effects
information resources
mechanics of
medical underwriting
payouts
premium refunds
purchase of
qualified
vs
. unqualified investments
ratings of
risk tolerance and
safety of
single
vs
. joint annuities
Single retirees, early retirement issues
Single taxpayer, tax on Social Security benefits
Skilled nursing facilities
Small businesses
Small-cap funds/stocks
Smith, Adam
Social Security
amount of benefit
annual statement
application for benefits
benefit calculators
bridging income with
collecting benefits
cost-of-living adjustment (COLA)
coverage
defined benefit plans and
delayed retirement credit
disability insurance and
divorce and
early retirement and
eligibility for benefits
financial outlook
full retirement age (FRA)
historical perspectives
importance of
income from
income to
inflation-adjusted benefits
information resources
mandatory payment at age
outflow of
payroll taxes
pension from noncovered employment
preretirement earnings, significance of
reform
retirement ages, minimum/maximum
retirement benefits
spousal benefits
survivor benefits
taxation of benefits
trust funds
types of benefits
windfall elimination provision
working while receiving benefits
Social Security Administration (SSA)
application rules
benefits calculation
disability benefits
functions of
information resources
Publication 05-10007
Publication 05-10045
regulation by
retirement age, defined
starting/stopping benefits
web site
Social Security Handbook
Soft retirement
Sole proprietorships
Solo 401(k) plans
Spartan, bond funds
SPDR
Barclays Capital TIPS (IPE)
MSCI ACWI ex-US (CWI)
Special needs trusts

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