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retirement planning (Cont.): history of retirement and, 281–282 IRAs and, 171, 283, 291, 305–307 Keogh plans and, 173, 304–305 life insurance policies and, 175–176 long-term care insurance and, 229–240 maximum contribution to, 45 Medicaid and, 245–246, 258–275, 275–277, 276–277, 275 Medicare and, 245–246 Medigap insurance and, 266–270, 267–268, 273–274 money-purchase plans and, 174 needs assessment for, 282–283, 285–289, 290 nondeductible IRAs, 307 pensions, basic employer-sponsored plans for, 291–294 profit-sharing plans and, 173–174, 295–296 qualified plans and, 188 required minimum distribution (RMD) in IRAs and, 307 risk and, 311–314 rollover IRAs and, 307–308 Roth IRAs and, 171, 308–309 salary reduction plans and, 298–300 savings and CDs in, 283–285 self-employed and, 300–305 SIMPLE plans and, 301–304 simplified employee pension plans (SEPs) and, 172–173, 291, 300–301 small businesses and, 300–305 Social Security and, 246–258, 287–289 stocks and, 280 substantial equal periodic payment (SEPP) program and, 309–311 supplemental pension plans and, 294–300 tax deductibility of IRA contributions in, 312–313 tax-advantaged retirement plans and, 29–31, 171–176 tax-deferred investments in, 31–35 taxes and, 294 thrift and savings plans (employer-sponsored) in, 296–298 types of investments for, 289–291, 289 return on equity (ROE), 61 revenue municipal bonds, 116 revocable trusts, 323–324 rights of accumulation, in mutual funds, 73, 75 risk, 1–2, 10–12, 15–16, 51 asset allocation and, 22–23, 23 growth stocks and, 55 insurance and, 198–199

INDEX

risk (Cont.):

loss and, paper vs. actual, 148–150 retirement planning and, 311–314 roll-up death benefit, in annuities and, 103 rollover IRAs, 307–308 Roth IRA, 2, 30–31, 308–309

maximum contribution to, 45 taxes and, 171 Russell 2000, 67, 86

S corporations, 189, 192–193 salary reduction plans, retirement planning and, 298–300 sales and saving money, 42–43, 42, 43 saving money, 42–49, 42, 43 comparison shopping and, 47–48 credit cards and, 45–47 investing and, 48–49 sales and, 42–43, 42, 43 systematic savings and, 44–45 thrift stores and, 43–44 savings accounts, 44–45, 125 inflation and, 48–49 retirement planning and, 283–285 thrift and savings plans (employer-sponsored) in, 296–298 savings bonds (See U.S. savings bonds) second-to-die policies, 329–330 Section 529 plans, college savings and, 159–163 sector mutual funds, 81 SELECT policies and Medicare and, 270 self-employed, 188–193 general partnerships and, 190–191 incorporation and, 189, 191–193 Keogh plans and, 173, 304–305 limited liability companies (LLCs), 192–193 retirement planning and, 300–305 SIMPLE plans and, 301–304 simplified employee pension plans (SEPs) and, 172–173, 291, 300–301 sole proprietorships and, 190 taxes and, 188–193 short selling, 133, 145–148 short-term investing, 52 SIMPLE plans and, 301–304 simplified employee pension plans (SEPs), 172–173, 291, 300–301 single-premium annuities, 96 single-premium whole life insurance, 205–206 sinking funds, corporate bonds and, 111 small businesses, retirement planning and, 300–305 small-cap mutual funds, 80

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