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Based on questions in over 30,000 emails and calls from readers of the author's syndicated personal finance columns
Award-winning personal finance columnist read by millions of people each week
The Incredibly Simple, Step-by-Step Guide to Investing Money for Your Future!
“A cover-to-cover must-read for everyone 16 to 60 who wants to live the American Dream. The earlier we choosetosave®, the sooner we can stop saving, and the later we start saving the more we need to know in order to catch up. What you need to know; where you can find the answers; how you can take action. It is all here.”
–Dallas Salisbury, CEO, Employee Benefit Research Institute and American Savings Education Council (www.choosetosave.org)
“Bookstores are full of tomes advising people how to save for retirement, yet millions of people are still hopelessly confused about what they should do. Gail MarksJarvis breaks it down into simple steps that anyone can do to ensure a more comfortable retirement. Read this book and prosper!”
–Liz Pulliam Weston, MSN Money Personal finance columnist and best-selling author of Your Credit Score
“This book offers a sensible, sophisticated approach for tackling the daunting challenge of saving for retirement. The good news? You can retire–without living on canned food or buying lottery tickets–if you follow Gail’s realistic strategies for saving, investing, and ultimately spending money in retirement.”
–Susan Tompor, Detroit Free Press
“You can wallpaper a warehouse with all of the awful investment advice offered up every year in newspapers, magazines, and books. One of the most difficult tasks is to separate the get-rich-quick hype from the truly worthwhile knowledge that will make you wealthy over time. I’m thrilled to say that Gail MarksJarvis has cut through the claptrap of investment cacophony and provided not only a solid plan for retirement saving, but a realistic, common-sense approach to personal finance in general. This is a triumph.”
–John F. Wasik, Bloomberg News personal finance columnist and author, The Merchant of Power
Drawn from responses to questions from over 20,000 readers of the author’s personal finance columns.
Over the years, Chicago Tribune financial columnist Gail MarksJarvis has taken the time to listen and respond to thousands of her readers about the issues, questions, and concerns that are most important to them. Saving and investing for retirement has never been more important...and with this book, it’s never been clearer what you need to do and how to do it.
Don’t wait another day! Discover…
Introduction
1 Start Investing Early, or Start Now 1
2 Know What You'll Need 9
3 Savings on Steroids: Use a 401(k) and an IRA 39
4 An IRA—Every American’s Treasure Trove 59
5 IRA Decisions: How to Start, Where to Go 65
6 Why the Stock Market Isn't a Roulette Wheel 89
7 What's a Mutual Fund? 105
8 Making Sense of Wacky Mutual Fund Names 115
9 Know Your Mutual Fund Manager's Job 127
10 The Only Way that Works: Asset Allocation 151
11 Do This 163
12 How to Pick Mutual Funds: Bargain Shop 181
13 Index Funds: Get What You Pay For 189
14 Simple Does It: No-Brainer Investing with Target-Date Funds 209
15 Do You Need a Financial Adviser? 219
Index 229
Saving for Retirement: Start Investing Early, or Start Now
Introduction
1 Start Investing Early, or Start Now 1
2 Know What You'll Need 9
3 Savings on Steroids: Use a 401(k) and an IRA 39
4 An IRA–Every American’s Treasure Trove 59
5 IRA Decisions: How to Start, Where to Go 65
6 Why the Stock Market Isn't a Roulette Wheel 89
7 What's a Mutual Fund? 105
8 Making Sense of Wacky Mutual Fund Names 115
9 Know Your Mutual Fund Manager's Job 127
10 The Only Way that Works: Asset Allocation 151
11 Do This 163
12 How to Pick Mutual Funds: Bargain Shop 181
13 Index Funds: Get What You Pay For 189
14 Simple Does It: No-Brainer Investing with Target-Date Funds 209
15 Do You Need a Financial Adviser? 219
Index 229