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5 Things You Need To Know About Planning Your Retirement Income
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5 Things You Need To Know About Planning Your Retirement Income



1. You May Live a Long Time
 
It's widely known that people are living longer than they used to, but what exactly does that mean to you?   Assume that a couple makes it to age 65 together. Statistically they have an eighty five percent chance that at least one of them will live another twenty years.
 
Studies have shown that the average joint life expectancy is age ninety two (half will live longer).   This means that your money will need to last a long time.
 
Small mistakes early on can compound and become large mistakes over many years. 
 

2. Watch Out for Inflation
 
For the past several years, inflation has been practically non-existent. Inflation now, however, is a different story. Inflation is quickly rising.   I'm sure that you remember the late 1970s and early 1980s when being on a "fixed income" was the kiss of death.
 
With inflation and prices rising each year, a fixed income bought less and less every year.   At just 6% inflation, prices double every 12 years. When you think about spending close to 25 years in retirement, you can expect prices to double twice. That means you need four times the income to maintain your standard of living at the end of retirement compared to the beginning of your retirement.
 
Inflation is like a stealth missile that you don’t see coming until it explodes in your face. 
 

3. Expect to Spend a Lot of Money on Healthcare
Did you know that every year, Fidelity projects how much a married couple, age 65, should expect to spend on their healthcare over the course of their retirement years? Fidelity assumes that each person is on Medicare and also assume that no long-term care is needed.

How much would you think this hypothetical married couple would spend on their healthcare over the rest of their lives? Remember that Medicare covers a lot of medical expenses.

The answer, according to Fidelity’s recent projection is $240,000! That’s right, almost a quarter of a million dollars. That’s almost $10,000 per year over 25 years of retirement.

If you need long-term care, it’s a lot more expensive than that!


4. New Financial Tools

When you were in the workforce, you probably had a retirement plan that provided you with a variety of mutual funds in which to invest. It was easy; you just pick the best performers and off you go.
Retirement plans are designed for growth and accumulation. You use them to build up your nest egg so you can retire comfortably someday.

The problem is that when you retire the financial tools that you’ve been using are no longer appropriate for the majority of your money. It’s important to learn about new financial tools that focus on preservation and income.

It’s like learning about investing all over again. For the most part, you need to throw out 30 years of learning about one way to invest and learn something different. This can seem daunting.

Remember that retirement represents a fundamental shift in your life. It makes sense to recognize that such a shift should be reflected by a fundamental shift in your investment portfolio.


5. Taxes, Taxes, Taxes

Do you remember when you were working and had that retirement plan meeting? Remember how the retirement guy told you how you should save money today while you are in a higher tax bracket because when you take it out later during retirement you’d be in a lower tax bracket?

Well, for many retirees, that doesn’t turn out to be the case.
Many retirees are finding themselves paying more tax today than they did while they were working.

Why? It’s really quite simple-because they actually did a good job saving for their retirement!
Imagine that you are getting ready to retire: As you transition from working to retirement, do you want to be able to maintain your standard of living?

But what about your deductions? No more kids in the house, the house is paid for…your deductions are all gone.

So, you’ll have about the same income, with no deductions, which is bad news for your tax bill.
Now compound that with required minimum distributions from fully taxable retirement accounts and you have an equation that works really well for the IRS but not well for you.

Now you can recognize that taxes are a real threat to a retiree’s standard of living.


SUMMARY

In summary, these are five of the factors necessary to take into account when planning for your retirement income. Are you starting to see some of the challenges?
There are even more factors that come into play, adding to the complexity of your retirement income planning.


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