A detailed guide for avoiding the pitfalls of retirement
funding
In Stop the Retirement Rip-Off, author David Loeper
provides the necessary tools for investors to take action and make
the most of their retirement plans. It offers a road map for
employees to understand the fees and costs associated with their
plans; document the excesses in a presentation to management; then
organize themselves to protest and, if necessary, bring the
documentation to the Labor Department in a complaint.
Written in a straightforward and accessible style, this book is
filled with sensible strategies for making the most of retirement
funds and putting future retirees back on the right financial
track.
* Filled with strategies that can help employees stand up and
secure their financial future
* Addresses how to make the most of your money, and your life,
after fixing your retirement plan
* Outlines a practical approach to understanding your
organization’s retirement plan and overcoming its potential
inefficiencies
This important book contains the much-needed information that
employees need to plan for retirement and ensure a secure financial
future.
สารบัญ
Preface xi
Acknowledgments xvii
Introduction Make the Most of Your Life! 1
Chapter 1 Why Fees Matter–The Coming ‘Retirement Plan
Sticker Shock’ 11
Chapter 2 Types of Expenses Dragging Down Your Retirement Funds
25
Chapter 3 The Price to Your Lifestyle of Needless Expenses
39
Chapter 4 Complaining Without Sounding Like a Complainer 55
Chapter 5 Rallying Your Troops–Just One Coworker Can Help
63
Chapter 6 What Happens If My Employer Ignores Us? 69
Chapter 7 Now That My Retirement Plan Is Fixed, How Can I Make
the Most of My Life? 79
Chapter 8 Resources, Investment Selection, Asset Allocation,
Tools, and Advice 91
Chapter 9 How Much is That Guarantee in the Window? 121
Chapter 10 Hidden Expenses in Government Union and Some 403(b)
Plans 131
Chapter 11 Summary 137
Appendix A Lifestyle Prices of Excessive Retirement Plan
Expenses 139
Appendix B ABC Plan-401(k) Plan Fee Disclosure Form 205
About the Author 217
Index 219
เกี่ยวกับผู้แต่ง
David B. Loeper is the CEO of Financeware, Inc. Prior to founding Financeware in 1999, Loeper was managing director of strategic planning for the retail brokerage division of Wheat First Union and served on the Investment Advisory Committee of the almost $30 billion Virginia Retirement System. Loeper has been active in several industry associations, including the Investment Management Consultants Association (IMCA). He has also been a featured speaker at numerous industry events and often contributes to industry publications, as well as appearing on CNBC, Bloomberg TV, Fox Business, CNN, and Yahoo! Finance Vision.
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