Save Your Retirement

作者:Armstrong, Frank/ Brown, Paul

页数:224

出版时间:2009-5

价格:114.00元

isbn号码:9780137029006

具体描述

Real Solutions for Saving Your Retirement! No Matter Where You Stand Right Now! Step-by-step plans you can use if you're planning to retire in! 5 years | 10 years | 15 years | over 20 years | or tomorrow! "The market meltdown has all of us worrying about whether we will ever be able to retire. Worrying doesn't help you. Planning does. Save Your Retirement by Frank Armstrong, III and Paul B. Brown can--and should--serve as your battle plan." --John A. Byrne, Executive Editor, BusinessWeek "Convinced the sinking economy has dragged your retirement plans down with it? Save Your Retirement shows there's still treasure inside that wreckage-- and provides a map to help you find it." --Josh Hyatt, Money Magazine "Whether you're just beginning a career or you're five years from retiring, the authors show you how to take a realistic look at your current financial status and your retirement goals. With a refreshingly positive approach, they give all of us, no matter our life stage, a blueprint for successful retirement." --Professor Larry Meiller, Talk Show Host, Wisconsin Public Radio "Frank Armstrong, III and Paul B. Brown heal your retirement anxiety and show you exactly how to achieve financial security for the golden years. You'll actually be excited to save!" --Farnoosh Torabi, Author of You're So Money: Live Rich Even When You're Not Terrified about retirement? Stop losing sleep, and take action! This book gives you specific, step-by-step plans you can use to save your retirement. Forget "one-size-fits-all" solutions that don't fit your life. Here are personal plans focused on your unique situation--whether you're 5, 10, 15, or 20-plus years away from retirement or are scheduled to retire now. (There's even a detailed plan for people who've already retired and want to make sure their money lasts!) No matter what the market meltdown did to your portfolio or how little you've saved, you can save your retirement--if you start now. Get this book, and get started! All the help you need to save your retirement: * Where to move your savings* How to recalculate what you'll really need to retire* How to assess when you can now afford to retire* How to change your approach to investing* How to use the federal tax system to save more* What to expect from Social Security now Part I: Let's Take a Deep Breath and Get Our Bearings 1 Chapter 1: There's Hope 3 Chapter 2: You Are Not Alone: Just About Everyone Is Unprepared to Retire the Way They Want 11 Chapter 3: Maybe You Don't Want to Retire 23 Chapter 4: Before You Begin Your Rescue Efforts: Things to Do to Make Sure You Don't Make the Situation Worse 29 Part II: Working with the Scenario That Is Right for You 63 Chapter 5: R(etirement) Minus 20 (or More) 71 Chapter 6: R--15 79 Chapter 7: R--10 95 Chapter 8: R--5 107 Chapter 9: R=0 117 Chapter 10: R+ 123 Part III: (Dramatically) New Thinking 127 Chapter 11: Maybe You Want to Retire Later 129 Chapter 12: Don't Touch Up the X-Rays 133 Chapter 13: Dealing with Risk 141 Chapter 14: Where Does Social Security Fit In? 151 Chapter 15: What to Do the Moment You Stop Reading 161 Chapter 16: Final Thoughts 167 Part IV: Appendices 173 Appendix A: Where Does the Money Go? 175 Appendix B: Getting to What's Next 183 Appendix C: Useful Links and Resources for Retirees 191 Appendix D: Suggested Asset Allocation Models 195 Index 199

用户评价

这本书在对市场宏观趋势的把握上，展现了超乎寻常的敏锐度。我过去读过很多关于退休规划的书籍，大多侧重于微观的基金选择或股票分析，但这本书的格局明显要大得多。它将个人的退休计划置于全球政治、人口结构变迁乃至科技革命的大背景下来考量。例如，它对于低利率环境可能长期持续的分析，以及这对固定收益类产品的冲击，促使我重新审视了我的债券配置比例。作者没有给出“标准答案”，而是提供了一套严谨的分析框架，鼓励读者利用这个框架去“解构”自己所处的时代环境。这种训练读者独立思考能力的做法，比直接给出具体投资代码要高明得多。读完这本书，感觉自己的“金融智商”得到了质的提升，不再人云亦云，而是能够基于更宏大的视野去预判风险和机会。

这部书简直是为那些在投资迷雾中摸索的人点亮了一盏明灯。我尤其欣赏作者在讲解复杂金融概念时所展现出的那种化繁为简的能力。它没有那种故作高深的学术腔调，反而更像是一位经验丰富的朋友，坐在你对面，用最接地气的方式告诉你“钱是怎么运作的”。书中对于资产配置的论述非常具有前瞻性，尤其是在当前这种全球经济波动不定的环境下，它提供了一套切实可行、而且非常注重风险控制的策略。我记得其中有一个章节详细分析了不同经济周期下，特定资产类别的表现，这让我对自己现有的投资组合进行了一次彻底的“体检”。读完之后，我不再盲目追逐市场热点，而是更注重长期价值的积累，并且对自己的退休规划有了一个更为清晰、更有信心的路线图。它强调的“不要把所有鸡蛋放在一个篮子里”的理念，在这里被提升到了一个全新的战略高度，不再是空洞的口号，而是有着详尽的数据支持和实际操作步骤的行动指南。对于那些希望通过自己的努力掌控财务未来，而不是完全依赖他人建议的人来说，这本书无疑是案头必备的工具书。

从可操作性的角度来看，这本书的实用价值简直是无价之宝。它不像某些纸上谈兵的理论著作，而是包含了大量可立即付诸实践的清单和步骤。特别是关于“退休金缺口测算”和“税收优化策略”的部分，作者细致地列出了每一步需要收集的文件和需要注意的法律细节。我过去一直拖延着处理我的税务规划，就是因为觉得过于复杂，但这本书将其分解成了几个易于管理的小任务。我根据书中的指引，梳理了我的退休账户结构，发现了一个我之前完全没有注意到的税务漏洞，立刻着手进行了调整。这种能够直接带来现金流或优化财务结构的建议，才是衡量一本实用书籍价值的硬标准。它真正做到了“授人以渔”，而且提供的渔网质量极高，结构坚固耐用。

这本书的整体结构设计非常巧妙，层次感分明，逻辑链条清晰得令人赞叹。它不是简单地从A跳到Z，而是通过一系列精心设计的过渡章节，将“建立认知”、“评估现状”、“制定策略”和“长期维护”这四个核心阶段无缝连接起来。我特别喜欢作者在每一章节末尾设置的“反思点”——它不是简单的总结，而是抛出几个尖锐的问题，迫使读者停下来，诚实地面对自己的财务状况和恐惧。这种互动式的阅读体验，让阅读过程本身就变成了一种积极的规划行为，而不是被动的信息输入。它的语言风格时而幽默风趣，时而又沉稳有力，仿佛是两位顶尖的顾问在轮流为你提供建议，确保你既不会因为过于轻松的语气而轻视了问题的严重性，也不会因为过于严肃的论调而感到压力山大。这是一部真正意义上的“指导手册”，而不是一本“说明书”。

我不得不说，这本书的叙事风格极其引人入胜，它完全颠覆了我对传统财经书籍的刻板印象。它不是那种干巴巴的数据堆砌，而是一部充满人文关怀的作品。作者似乎非常理解普通人在面对退休规划时的焦虑与迷茫，所以他的文字中充满了理解与鼓励。其中穿插的几个小故事，虽然是虚构的，但却精妙地映射了我们在投资决策中常犯的心理错误，比如“羊群效应”和“损失厌恶”。这些故事，比任何冰冷的图表都能更深刻地触动人心，让人在会心一笑的同时，也立即反思自己的行为模式。我读到某些段落时，会不由自主地停下来，反复咀嚼作者关于“心态管理”的论述。这种强调行为金融学而非纯粹技术分析的视角，是这本书最大的亮点之一。它教会我的不仅是如何投资，更是如何以一种更健康、更理性的心态去面对金钱和未来，这比学会几个技术指标重要得多。