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E-raamat: Engineering Your Retirement: Retirement Planning for Technology Professionals

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  • Formaat: PDF+DRM
  • Ilmumisaeg: 13-Dec-2006
  • Kirjastus: Wiley-IEEE Press
  • Keel: eng
  • ISBN-13: 9780470112465
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Engineering Your Retirement: Retirement Planning for Technology ProfessionalsSuurem pilt
  • Formaat: PDF+DRM
  • Ilmumisaeg: 13-Dec-2006
  • Kirjastus: Wiley-IEEE Press
  • Keel: eng
  • ISBN-13: 9780470112465
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This guide offers a straightforward analytical approach to financial independence for professionals in the engineering, science and math fields, answering such pressing questions as "How much money will it take to retire?" and "How long will acquiring that much money take?" Golio, a retired electrical engineer and current editor-in-chief for IEEE Microwave Magazine, emphasizes investment and balancing discipline; discusses planning for health insurance and choosing a retirement community; and covers strategies for sourcing income for those who have already retired. Annotation ©2007 Book News, Inc., Portland, OR (booknews.com)

A practical retirement planning resource for engineers, scientists, and mathematicians

In 1995, Dr. Mike Golio, an electrical engineer, became seriously interested in planning for early retirement. In 2003, at the age of 49, he and his wife achieved their goal of financial independence and retired. Engineering Your Retirement is an outgrowth of his research. Whether retirement is imminent or many years off, this valuable guide's straightforward, analytical approach to financial independence answers the critical questions to achieving successful, comfortable, and meaningful retirement.

Written specifically for professionals in the engineering, science, and math fields, Engineering Your Retirement examines such important questions as:
* How much money will I need to retire?
* How long will it take for me to accumulate it?
* What types of post-retirement activities are available to technical professionals?


Engineering Your Retirement discusses financial independence from the unique cultural view of the technical professional and features many charts, graphs, analytical tools, and equations to help present the financial nuts-and-bolts of retiring in a logical and analytical manner. It offers practical, firsthand advice from an industry expert on:
* Effectively budgeting for investments
* Planning for health insurance
* Choosing a retirement community
* Building up a cash/bond ladder
* Considering inflation
* Portfolio requirements
* Investment allocations
* Paying off a mortgage
* And much more!

Arvustused

"This book should be of interest to anyone looking forward to retiring comfortably on one's own schedule." (Microwave Journal, October 2007) "Whether a novice or a seasoned veterandefinitely consider adding it to your library." (IEEE Microwave Magazine, June 2007)

"a worthwhile addition to your early retirement library. It's highly recommended." (The Retire Early Online Magazine, January/February 2007)

Nelsons compendium has proved to be an essential resource for so many people interested in fishes, for so long (Reviews in Fish Biology and Fisheries, 2006)

Preface ix
Acknowledgments xi
1. Retire On Your Schedule 1(22)
1.1. Retirement Options
4(4)
Work Until You Drop
4(1)
Normal Age Retirement (~Age 65)
4(1)
Get FIREd (Financial Independence, Retire Early)
5(1)
Job Satisfaction, Retirement, and Financial Independence
5(3)
1.2. Is There a Retirement Crisis?
8(3)
Future of Social Security
8(1)
Are You Saving Enough?
9(2)
1.3. How Much Do I Need to Retire?
11(4)
How Long Will I Need to Fund Retirement?
13(1)
What Will it Cost?
14(1)
What Do I Want to Leave to My Heirs?
14(1)
1.4. How Long Will it Take Me to Save Enough Money?
15(1)
1.5. Learning Your Own Life Values
16(3)
Effects of Debt
17(1)
Lifestyle Choices
18(1)
Quantifying Lifestyle Choices
18(1)
References and Further Reading
19(1)
A Brief History of Social Security
20(3)
2 Analysis Tools and Calculations 23(22)
2.1. Predictions Based on Average Returns and Inflation
25(2)
2.2. Spending Models
27(2)
2.3. Historical Data
29(3)
Stock Return Data
29(1)
Bond Return Data
30(1)
Inflation Data (CPI-U)
30(2)
2.4. Monte Carlo Simulation
32(3)
2.5. Historical Simulation and the 4% Rule
35(7)
Safe Withdrawal Rate
39(2)
Terminal Value
41(1)
Investing Profile
41(1)
Reevaluation and Adjustment of Your Plan
41(1)
References
42(1)
The Worst Time to Retire
43(2)
3 Live Below Your Means (LBYM) 45(26)
3.1. Spending
46(1)
3.2. Breaking the Relationship Between Earning and Spending
47(6)
3.3. Establishing Budget Projections
53(7)
3.4. Credit Cards
60(1)
3.5. Increasing Earnings
61(5)
References and Further Reading
66(1)
Estimating Your Market Value
67(4)
4 Emergency Funds and Insurance (First Take Care of Stability) 71(22)
4.1. Medical Insurance and Healthcare Budgets
72(5)
Planning for the Transition to Retirement
74(2)
Options for the Retiree
76(1)
4.2. Emergency Fund
77(1)
4.3. Personal Financial Concerns
78(7)
Family Size
78(2)
Children and LBYM
80(1)
Funding College
81(2)
Financial Beliefs and Control Issues
83(1)
Divorce
83(1)
Aging or Ailing Parents
84(1)
Long-term Care
85(1)
4.4. Documents
85(4)
Will
86(1)
Trust
86(1)
Durable Power of Attorney (POA) for Finances
86(1)
Medical Power of Attorney (POA) for Healthcare
87(1)
Letter of Instruction and Distribution of Documents
87(2)
References and Further Reading
89(1)
Outside the Bandwidth: The Secret to the Universe
90(3)
5 Investment Instruments 93(22)
5.1. Bonds
93(4)
Government Bonds, Notes, and Bills
95(1)
Agency Bonds
96(1)
Municipal Bonds
96(1)
Corporate Bonds
96(1)
Zero-Coupon Bonds
96(1)
5.2. Stocks
97(2)
5.3. Real Estate
99(4)
Investment Property
101(1)
Fix'n'Flip
102(1)
REITs
103(1)
5.4. Annuities
103(2)
5.5. Defined Benefit Plans (Pensions)
105(2)
5.6. Cash and Certificates of Deposit
107(1)
5.7. Social Security
108(1)
5.8. Mutual Funds
109(2)
5.9. Exchange-Traded Funds (ETFs)
111(1)
5.10. Commodities
112(1)
References and Further Reading
112(1)
Estimation of Portfolio Requirements Including Social Security and Pension Benefits (Example)
113(2)
6 Your Investment Plan 115(34)
6.1. Eliminate "Bad" Debt
116(2)
6.2. Investment Issues
118(14)
Diversify
118(3)
Fees Matter
121(2)
Timing Markets and Picking Stocks
123(1)
Risk Versus Return
123(2)
Longevity Risk
125(1)
Investment Correlations
126(1)
Asset Allocation
127(1)
Develop an Investment Plan
128(2)
Mechanics of Rebalancing
130(1)
Financial Advisors Are Not Your Friends
131(1)
Monthly Investing and Dollar Cost Averaging (DCA)
132(1)
6.3. Tax-Advantaged Accounts and Free Money
132(7)
401(k)s, 403(b)s, and 457 Plans
134(1)
Company Matching (Free Money)
135(1)
IRAs
136(2)
Health Savings Accounts
138(1)
529 Plans (Saving for College)
139(1)
6.4. Taxable Investments
139(2)
6.5. House Purchase or Rent?
141(1)
6.6. Mortgage Payoff Decision
142(2)
6.7. Taxes
144(2)
References and Further Reading
146(1)
Computing Individual Investor Returns
147(2)
7 What Will I Do When I Retire? 149(18)
7.1. Work Part-Time
151(3)
7.2. Travel
154(2)
7.3. Volunteer
156(3)
Professional Society Volunteer Activities
156(2)
Nonprofessional Volunteer Activities
158(1)
7.4. Recreation and Leisure
159(2)
7.5. Health and Self-Improvement
161(2)
References and Further Reading
163(1)
Continuing Adventures of Bo Cambert and Leary McFly
164(3)
8 Final Issues 167(16)
8.1. Before You Leave the Building
167(2)
8.2. Where to Live
169(2)
8.3. Sources of Income
171(6)
Social Security Decisions
173(1)
Pensions and Annuities
174(1)
Fixed-Income Ladders
174(1)
72(t) Withdrawals (SEPP)
175(1)
Required Minimum Distributions (RMD)
175(1)
Reverse Mortgages
176(1)
8.4. Taxes
177(1)
8.5. Rebalancing
178(1)
8.6. Heirs
179(1)
References and Further Reading
180(1)
Estimation of Portfolio Requirements Including Mortgage Payments During Retirement
180(3)
Appendix A: Web Site URLs: Information, Online Calculators and Software 183(16)
Appendix B: Fundamental Financial Equations 199(2)
Appendix C: Longevity Table 201(4)
Index 205(6)
About the Author 211


Mike Golio has worked in the electrical engineering field for more than thirty-one years. During his career, his job titles included: member of the technical staff, research assistant, assistant professor, senior engineer, manager, and director. He's authored more than 150 technical papers and served as an editor for five books, as well as a reviewer for several professional journals, IEEE conferences, and book publishers. He currently enjoys spending time on technical efforts, participating in professional activities, and serving as Editor in Chief for IEEE Microwave Magazine.
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