Bogleheads Retirement Planning Start-Up Kit

From Bogleheads

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Below is a suggested list of topics for retirement planning.

Contents 1 Creating a spending plan 1.1 Job-related pre-retirement spending 1.2 Spending considerations post-retirement 2 Determining your retirement income sources 2.1 Social Security 2.2 Individual Retirement Plans 2.3 Employer-Provided Plans 2.4 Annuities 2.5 Taxable investments 2.6 Pension 3 Withdrawal rates 3.1 Required minimum distributions from IRA's 3.2 Withdrawal rates and life expectancy 3.3 Asset allocation effect on withdrawal rates 4 Withdrawal methods 4.1 Constant dollar vs. constant percentage 4.2 Inflation adjustments? 4.3 Asset allocation adjustments as you age 5 Taxes in retirement 5.1 Taxes on investment gains vs. taxes on earned income 5.2 IRA taxation 5.3 No payroll taxes (Social Security, Medicare) 6 References 7 How to Cite

Creating a spending plan

Job-related pre-retirement spending

Spending considerations post-retirement

Determining your retirement income sources

Social Security

see Social Security

Individual Retirement Plans

• Traditional IRA
• Non-deductible Traditional IRA
• Roth IRA
• Charitable Pooled Income Fund

Employer-Provided Plans

The Employer Retirement Plans Overview describes the most common employer-provided retirement plans. Plan details are addressed in separate wiki pages, just click on the provided link. IRS (Internal Revenue Service) and DOL (Department of Labor) references are also provided.

Tip: Use the Contents box (gray box near the top of the page) to see how the plans are structured.

Annuities

• Fixed Annuity
• Variable Annuity
• Immediate Fixed Annuity - SPIA
• Immediate Variable Annuity - SPIA
• Gift Annuity

Taxable investments

Pension

see Pensions and the Employer Retirement Plans Overview

Withdrawal rates

see Safe Withdrawal Rates

Required minimum distributions from IRA's

see IRA Distribution Tables

Withdrawal rates and life expectancy

see Life Expectancy Calculators

Asset allocation effect on withdrawal rates

Withdrawal methods

see Withdrawal Methods

Constant dollar vs. constant percentage

see Withdrawal Methods

Inflation adjustments?

Asset allocation adjustments as you age

Taxes in retirement

Taxes on investment gains vs. taxes on earned income

IRA taxation

No payroll taxes (Social Security, Medicare)

References

Bogleheads Start-Up Kits
Bogleheads Financial Start-Up Kit • Bogleheads Personal Finance Planning Start-Up Kit • Bogleheads Investing Start-Up Kit • Bogleheads Retirement Planning Start-Up Kit

How to Cite

You can link to this page from the Bogleheads Forum by copying and pasting the following text into your forum posting:

Please see [url=http://www.bogleheads.org/wiki/Bogleheads_Retirement_Planning_Start-Up_Kit]Bogleheads Retirement Planning Start-Up Kit[/url] on the [url=http://www.bogleheads.org/wiki/Main_Page]Bogleheads Wiki[/url].

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