You had the baby boomers having moved into the retirement phase, and to some extent the preservation and income phase of their investing.

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These days, it's increasingly common to phase into retirement slowly, by working part time in some fashion rather than going straight to the golf course full time.

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One secular market will likely occur sometime during the accumulation phase and another will occur sometime in retirement.

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The talks are about the detail of pension reform - whether to increase contributions or decrease benefits, whether to move to average instead of final salary pensions, how to phase in a move to a later retirement age etc.

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In my professional career I encouraged people to go into retirement with a positive attitude and to think of this phase of life as the Third Age.

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During your accumulation phase, you must save enough to reach your retirement goals.

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Far better to phase in a new system where younger people would own their Social Security retirement accounts.

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Far better to phase in a new system, where younger people would own their own Social Security retirement accounts.

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It is not retirement that does it, I think that I have found in my own life that certain aspects of that third phase, passing the torch, are just really appealing and make me happy and I think are somewhat valuable.

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