Buckets of Money: How to Retire in Comfort and Safety
A proven way to financially prepare for retirement\ Are you wondering if you can make your retirement savings last?\ Concerned about inflation reducing your purchasing power?\ Worried about the stock market’s violent swings?\ In Buckets of Money: How to Retire in Comfort and Safety, nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia offers you a smart and conservative way to protect and grow your nest eggso you can enjoy a comfortable retirement without...
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Many people head into retirement assuming they will have enough money to live on for the rest of their lives. But when issues such as inflation and taxes come into play, their financial cushion can become so thin that they may have to cut back drastically on their standard of living or go back to work just to survive. Don’t let this happen to you!Nationally recognized Certified Financial PlannerTM and radio personality Ray Lucia has helped thousands of people improve their financial lives over his thirty-year career–and now, he has transformed these experiences into a program that will allow you to enjoy a comfortable retirement without worrying about your money running out. In Buckets of Money®: How to Retire in Comfort and Safety, Lucia provides you with a smart and conservative way to protect and grow your nest egg. With this book as your guide, you’ll learn how to achieve both income and growth, while reducing risk.In an easy-to-understand and accessible style, Lucia outlines his proven "Buckets of Money" technique. The concept behind Buckets of Money is amazingly simple. You match your assets to your liabilities. If you need income today, that’s a short-term liability (Bucket No. 1) that requires short-term assets, such as CDs and Treasury Bills. If you want inflation-indexed income tomorrow, that’s a mid-term liability requiring a match of mid-term assets, such as bonds and certain kinds of annuities, in Bucket No. 2. If you want your money to grow over the long run, that’s a long-term liability to be funded with long-term assets, such as stocks and real estate, in Bucket No. 3. Because you’re buying time with the income from Buckets Nos. 1 and 2, your Bucket No. 3 can grow without the worry of market volatility. Using many examples of "Buckets" in action, Lucia details the investments that are best for each Bucket and illustrates how to modify the Buckets system as your situation changes. Buckets of Money also includes a self-assessment test to determine your investing style and a worksheet that allows you to experiment with different dollar amounts, time periods, rates of return, and inflation so you can estimate what to realistically expect from your portfolio. To win at the retirement game, you need to know your financial goals, divvy up your money accordingly, and then invest intelligently. Although there is no such thing as a "risk-free" investment, Buckets of Money offers a technique that will put you on the right track to a more secure retirement–regardless of your age, income, net worth, or investment experience.
Preface: What "Buckets" Can Mean for YouxiChapter 1Everybody's Got An Investment Idea--But Is It a Good Idea?1Chapter 2Why Your Grandmother Was Right After All!23Understanding the BucketsChapter 3What Kind of Investor Are You?43Chapter 4Buckets: The Simple, Yet Proven, System59Filling the BucketsChapter 5The First Bucket: Consistent, Guaranteed, Tax-Favored Income77Chapter 6The Second Bucket: More Safe Income and an Inflation-Hedge ... But a Better Return99Chapter 7The Third Bucket: Investing for Long-Term Growth123'Bucketizing' Your LifeChapter 8Getting Your Buckets All Lined Up159Chapter 9Managing Your Buckets in Good Times and Bad177Living Happily Ever After as a 'Bucketeer'Chapter 10Finding the Right Financial Planner201Chapter 1110 More Steps You Could Take To 'Bulletproof' Your Retirement223Chapter 12Enjoying Life as a 'Bucketeer'247Appendix ARecommended Books253Appendix BHelpful Online Sites255
