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Retirement Is A Scary Proposition If You're Withou

Retirement Is A Scary Proposition If You're Without A Plan, And Running Out Of Time by: C.C. Collins Of the 75 million baby boomers nearing retirement today, many are: Debt Ridden Severely unprepared for retirement Under Funded Without a Strategy This is a very serious problem in a country that we can all remember used to assure most people of a retirement where you are taken care of financially.
We all know that social security alone is not the answer to this problem. Many baby boomers are on the cusp of retirement without the ability to pay their basic living expenses with the money they will have coming in after retirement.
This means most will be looking for jobs to compensate, or they will be looking for extensions of their current jobs past the time they had hoped to retire and enjoy their lives comfortably.

Out of embarrassment, many people answer their friends by saying they wouldnt know what to do with themselves in retirement to justify why they are still working to make ends meet past retirement age.
If you are in the situation above or can picture that situation in the next 10 years, there is something you can do to change that financial prognosis.
First, look at your 401k. Calculate what you could expect at retirement if you could actively manage it up to 8% more in yearly compounded return. Depending on when retirement is supposed to happen for you, what kind of nest egg does that leave you as opposed to depending on the return you are seeing now?

A very simple but powerful 401k strategy that works with any 401k plan involves two things.
Awareness Use of an index fund By awareness, I mean tracking the value of your 401k holdings on a weekly basis if possible. With this level of awareness you can easily spot a portfolio decline.

If it approaches a predetermined amount (5% to no more than 10% suggested) you should switch into a money market. Or if you are well informed and have the ability to do so, switch into an index fund that is designed to profit from a decline (a Bear Fund).
The biggest advantage you will gain is NOT letting your account value sink to such dismal levels where a 40%, 50% or greater gain is required just to get back to even.
This alone could significantly increase the size of your 401k over time. Is this the only strategy that can safely increase your return rate on your 401k? Not at all.

You just need to know what most people wont tell you.
I have written a book on the subject called Scientific Wealth Strategies.

You can find it at http://wealthscientist.
com I also have some more retirement strategies and resources located here: http://wwww.retirementinfo4u.
com Whatever your situation is right now, how much time you have left to make a change, and how much you calculate your need to be for a comfortable retirement, you cannot benefit from leaving things as they are.
Only education and strategic investment can net you the returns needed to have a safety net in place so that when you retire, you are not stuck in a constant monthly deficit spending cycle. Thats not what retirement was supposed to be about. And it doesnt have to be that way for you!

About The Author C.

C. Collins is a Wealth Building Advisor and Author of Scientific Wealth Strategies at http://wealthscientist.com Find more information at www.retirementinfo4u.

com cc@networthpublishing.com This article was posted on February 08, 2005 .

There are No Secrets to Earning an Above Average Income and everything you need to know how its done is right here in my Income Producing Website.

To Boost my Daily Sales.

Please Buy some Bidvertiser Advertising from me.

The Landing Page is content rich with

Product Feeds and I get paid directly by them.

My Income Producing Website is Automated For Daily Income equipped with an Automated Clickbank Weekly Paycheck Generator

Every Day Thousands buy Clickbank Products, Amazon Products, Digital River Products from me right here.

Clickbank, Amazon and Digital River pays me Commission Directly.

Please Buy Something From my Clickbank Marketplace Here

Please Buy Something From my Amazon Webstore

Please Buy Something From my REG_NOW Webstore

Swarms of Hungry Shoppers come right here (as well they also visit my 143 Income Portal Locations Worldwide) to buy, and every penny in commission is paid directly to me.

Retirement Is A Scary Proposition If You're Withou