The arguments against privatization come down to: What if you retire when stocks are down?
Say you retire from Wal-Mart with 30, 000 shares of the company, representing half your net worth.
Quick: What is your net worth? what income can you expect when you retire?
But remember that there may be changes to the state scheme before you retire.
Of course money you put in a retirement account should ideally stay there until you retire.
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Once you retire you could quite easily sit at home, put the television on and fall asleep.
Its site also features a basic guide to what to do with your pension pot once you retire.
The two most dangerous years of your life are the year you are born and the year you retire.
Find out what state pension you can expect to get when you retire.
But when you retire, withdrawals from a Roth don't count as taxable income.
When you retire and take money out, you pay no taxes on the investment or on the income it's earned.
And hopefully when you retire, young people who are working then, their money will go to pay for your retirement.
If so, your employer should be able to give you some information about what you will get when you retire.
And when you talk about retiring after 17 years and three more, an enormous difference if you retire after 20 years.
Scenario 2: You retire during a period of high interest rates and after a long period of stock market disappointment in 1980.
Now, the first assumption people might make is, you know after you win the lottery, you just kick back and you retire.
Remember that your pension fund is likely to need to sell the property when you retire and need to draw your pension.
Anything you save above that would go into a Roth account in case that 33% bracket ends up being higher when you retire.
Well, that is until you retire at the end of the day to one of the reserves luxury tented lodges for a sunset gin and tonic.
The calculator assumes inflation of 3 percent and an annual raise of 2.5 percent from now until you retire, but you can reset defaults.
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But when you retire, that dynamic suddenly disappears and, as is common, you might go for days without speaking face-to-face with a good friend.
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Although estimates vary, a typical rule of thumb is that you need 60 percent of your pre-retirement income to live comfortably after you retire.
And you, not Washington, could choose at what age you retire.
And finally, decide how much money you will want when you retire.
Say you retire from Wal-Mart (nyse: WMT - news - people ) with 30, 000 shares of the company, representing half your net worth.
If you retire you don't get that rush, and why should he retire having built this young team with so much more in front of it?
That's attractive if, for example, you plan to move in the next several years or if you want to pay off a big mortgage before you retire.
But when you retire, withdrawals don't count as taxable income.
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