Retirement moves to make now_ retire with money current market risk premium s&p 500

This week a new retirement savings plan was signed into law in California, which may eventually spur new options for savers around the country.

The California Secure Choice plan, which is designed to expand coverage to some seven million workers who lack employer plans, will require small business owners to auto-enroll workers in a 401(k). Australia market risk premium 2015 California, the largest state, adds critical mass to a fast-growing trend— some 30 states are in different stages of developing and launching state savings plans.

Only about half of private-sector workers have access to a plan, which is a critical ingredient to achieving retirement success. Market risk pdf Some 90% of employees with plans save for retirement vs. Market risk management policy just 20% of those who lack

them. What is market risk premium If you have a 401(k) or a similar plan, you’re fortunate—so save to the max. What does a market risk analyst do If you don’t have one, check out this chart, which shows your savings options, including individual IRAs and plans for the self-employed. Current market risk premium s&p 500 An employer nudge is great, but in the end, retirement saving is up to you.

For retirement investors, the past seven years have delivered terrific returns, as long as you stuck with stocks. Australian market risk premium But the bull won’t run forever, and your retirement date is drawing closer. Market risk premium Writer Carrie Bigda offers tips on the best ways to fine-tune your portfolio now. How to reduce market risk MONEY

If you’re a young adult enrolled in a 401(k), you might think you’re off to a decent start. What is current market risk premium But are you saving 22% of your pay? That’s the amount that new study says a 25-year-old needs to be putting away. Market risk management pdf (Gulp.) Other experts say that’s too high, but check out the numbers, if only to spur you to save more. Market risk premium 2016 Perhaps 15% would be a good target. Risk of stock market crash CNBC

Generation X has reached its 30s and 40s, and they’re coping with competing demands: raising children, building careers, and caring for aging parents. Market risk premium today Caught in this juggling act, many are failing to save. Market risk example But there’s still time. Credit risk market risk See what getting serious about saving now can mean for your retirement. What is market risk MONEY

Next year the U.S. Emerging market risk armed forces will adopt a new retirement plan, one that blends a defined benefit pension plan for career personnel with a 401(k)-style account for those who don’t intend to stay in the military for life. Market risk premium nyu As writer Mark Miller reports, this change is a mix of good news and bad news. Market risk premium 2012 On the bad news front, there will be a reduction in defined benefit pay, plus a big learning curve. What is the current market risk premium If you or someone you know is in the military, this will help you get up to speed. Market risk analyst RETIREMENT REVISED

In a recent survey, some 60% of people were confident they’ll be able to get enough retirement income from their savings. Beta market risk Yet fewer than half knew how much they had saved. Risk analysis in stock market Time to get real. Market risk premium calculator Contributor Walter Updegrave provides three questions that will help you figure out if you’re on track. What is the market risk premium today MONEY

The Social Security cost-of-living adjustment is likely to be increased only slightly for next year. Market risk premium s&p 500 That will have a ripple effect on the Medicare premiums for those who are enrolled in Medicare but not yet collecting Social Security. Market risk factors As columnist Mary Beth Franklin explains, if you’re in this group, you could see a big increase in premiums. Stock market risk INVESTMENT NEWS

It’s hard to point to a government program more complex than Social Security, and almost none is as important to the nation’s financial security. Global risks 2016 But that complexity, coupled with recent budget cutbacks, means that many retirees are likely to receive wrong benefit information from the agency’s reps, says economist Larry Kotlikoff, a Social Security expert. Ibbotson market risk premium 2015 Here’s what you need to know. Current market risk premium 2016 NEXT AVENUE

If you’re arriving at retirement and feeling a bit short of cash, it’s smart to consider relocating to a less costly area. Market risk premium australia 2015 The good news is you may not have to give up quality of life to do it. Stock market risk and return This list of inexpensive locales includes a mix of towns that offer culture and outdoor activities at a reasonable cost. Equity risk premium historical data Austin, anyone? MONEY

Many retirees use a set withdrawal rate that is carefully calibrated to avoid running out money. Historical market risk premium s&p 500 Sensible, but it limits your fun. Market risk premium uk UCLA behavioral economist Shlomo Benartzi says that more flexible withdrawal strategies, such as occasional splurges, can help you squeeze more enjoyment out of your savings. Market risk calculation Works for me. Market risk management in banks MARKETWATCH

Q.: When using the bucket approach to retirement investing, what is the timing and strategy for replenishing the money market bucket? How do you do this and try to avoid moving money from the more risky buckets during a market downturn? C. Market risk factors examples Hill, Hoover, Ala.

A.: The goal of the bucket approach is to “immunize near-term expenses from market fluctuations,” says Michael Falk, partner at Focus Consulting Group in Chicago, which advises investment firms. Risk stock market In other words, if you’re living off your investments in retirement and the stock market tanks, you want to make sure you can keep paying your bills. Us market risk premium 2016 READ MORE

ABOUT PENNY: Penelope Wang is editor at large at MONEY with a focus on retirement planning. Market price risk A graduate of Swarthmore College and Columbia University School of International Affairs, she was recently ranked among the “top social influencers in personal finance and wealth.” You can email her at and follow her on Twitter @PennyWriter.