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Article
12
Sep 08

Medicare, the Biggest Threat to Our Retirement Standard of Living

By Scott Burns and Laurence J. Kotlikoff A recent column predicted that seniors would get the largest Social Security benefit increase in 25 years next January--- about 6 percent. It quickly drew fire from older readers. The 6 percent increase, they pointed out, was before the deduction of the hefty...

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Article
05
Sep 08

Replacement Bait: Why the 80% Rule is Wrong

By Scott Burns and Laurence J. Kotlikoff The Retirement/Investment Complex calls it your "retirement income replacement rate." It's the percentage of your pre-retirement income you "need" to sustain your standard of living in retirement. We call it "replacement bait."...

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Article
13
Aug 08

For Retirement, Make High Probability Bets

By Scott Burns Q. A co-worker is 65. He is going to start taking Social Security even though he is still working full-time as an engineer, making good money. I am close to being the same, but one year older. I am wondering if I should do the same thing. His rationale for taking Social Security now is...

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Article
01
Aug 08

Want a Good Raise? Retire

By Scott Burns Senior citizens can look forward to a major increase in Social Security benefits next year. Unless there is a sudden rush of deflation in the current quarter, the increase will be the largest in 25 years. Yes, you read that right: the largest in 25 years. Last year, the increase was a...

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Article
30
Jul 08

The Rush for Safety Has Reduced Yields

By Scott Burns Q. Would you give us retirees your view as to the safest place for our hard-earned savings while we are having bank failures? ---H.V., by email (one of many asking the same question) A. For most people, the $100,000 FDIC insurance limit essentially eliminates any risk of loss. Those who...

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Article
23
Jul 08

Mortgages and Retirees Don’t Mix

By Scott Burns Q. My parents are looking for a house in the Dallas-Fort Worth area. They are retired. They are trying to decide if they should pay cash for the house. They have close to $620,000 in savings (CDs, 401(k)s, IRA) and are looking for a $200,000 house. They also have about $1,300 in Social...

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Article
16
Jul 08

Steps for Getting a Guaranteed Lifetime Income

By Scott Burns Q. I am 73 and have investigated buying back the Social Security benefits I took at age 62. The buyback number is $158,529. My current monthly benefit is $1,231. A total buyback would give me a new monthly benefit of $2,019. This is a difference of $788 a month. My spouse is approaching...

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Article
11
Jul 08

Invest for YOUR Future, Not the Financial Services Industry

By Scott Burns Securities attorney and investment adviser Daniel R. Solin has saved our bacon once again, just as he did at this time last year. That’s when he offered a short book on investing for everyone--- even those sitting at the beach, smudging pages with sun-block-smeared fingers. Now he offers...

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Article
09
Jul 08

Your Broker is a Hammer, Don't be a Nail

By Scott Burns Q: I like my broker, but she and I differ on what type of fund to be in. I prefer a low-expense fund. She says: Forget expenses if the 10-year returns bear more fruit. I have $400,000 to invest. I want to do the following: 35 percent in Vanguard Total Stock Market Index, 20 percent in...

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Article
02
Jul 08

Inflation Protected Securities Should Trump Stable Value, Long Term

By Scott Burns Q. Which would be safest and offer the best long-term results for my 401(k) --- a stable value fund or an inflation-protected bond fund? ---O.C., by email A. Go for the inflation-protected bond fund. Long term, it will provide you with a small premium (probably something over 1 percentage...

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