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What is Your Retirement Projection?

Colleen Mulder-Seward, MBA
Retirement Calculator, Inc.
What is Your Retirement Projection?

Your retirement projection is directly dependent on your current savings and investments plan.  Do you know your retirement projection?  If you do not know, you could very well end up among the 95% of Americans who are not financially independent at age 65 - this according to a study conducted by the U.S. Department of Commerce. In addition, the government's study also showed that only a dismal 25 percent of all retirees are able to avoid dependence on Social Security, family and friends as their only sources of income.  To make sure your retirement projection is the one you desire, read on.

The best way to discover if your retirement projection is on target is the use of a retirement calculator, like the one found at retirementcalc.com.  Using this calculator will help you to identify any shortfall now before it is too late.  Generally, you will need at least 75 percent of your pre-retirement income to ensure a comfortable retirement, according to most financial experts.  Once you know where you are and where you need to be, the next step can be taken.

The next step is to educate yourself about finance and investing.  You should start your financial education by reading finance magazines, newspapers and web sites. Attendance at investment classes is another great option.  Two national nonprofit organizations that offer low-cost investment education classes are BetterInvesting and AAII.  You can also check the course offerings at your local college.  Webinars and Webcasts can provide a convenient source of financial education as well.  Retirementcalc.com has plans to bring this education option to you in the near future. 

Also, consider a FREE subscription to Retirement Intelligence Information Services, which is a bi-weekly newsletter provided by retirementcalc.com. The newsletter mission is to help you, the individual investor, become informed and empowered to take over control of your investments.  Topics covered by the Retirement Intelligence Information Services newsletter include:

  1. The Retirement Calculator 2.0 (a $24.95 value).
  2. Introduction to multiple Multi-Million Dollar business opportunities
  3. Health Insurance and Health Care Costs
  4. Retirement News Letters
  5. Where to Retire Resources
  6. Retirement Communities
  7. Retirement Planning Resources
  8. Asset Allocation Strategies
  9. Money Manager
  10. Jobs over 55
  11. Internet Technologies and Services
  12. Computer Training Information and Resources
  13. Annuities and Long Term Care
  14. Estate Planning
  15. Senior and Retirement Websites
  16. Financial e-Books
  17. Retirement Products and Services
  18. Meeting people and making long lasting Friendships

If you have a particular investment or financial question you would like answered, the Retirement Intelligence Information Services newsletter can answer it.  Subscribers are encouraged to submit questions or topics they would like to see covered in the newsletter.  In addition, the Retirement Calculator 2.0 is included at no additional cost for all Retirement Intelligence Information Services newsletter subscribers.  This software normally costs $24.95.

Above all remember that your education is a lifelong process. Do not expect to know everything you need to know overnight.  As author Brian Adams once said, "Learn the art of patience. Apply discipline to your thoughts when they become anxious over the outcome of a goal. Impatience breeds anxiety, fear, discouragement and failure. Patience creates confidence, decisiveness, and a rational outlook, which eventually leads to success."

www.Retirementcalc.com wants you to become a confident, decisive and successful retiree. You have worked hard for what you have; do not let your retirement projection be compromised. Take the next step toward your secure retirement today.

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