retirement REVIEW |
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duston retirement village |
early from nhs pension retirement schemeIt would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.
The entire book is filled with this kind of specific info - a "must read" for the "do-it-your-self" personal financial manager.
If you've read some of the Rich Dad, Poor Dad books before, the main new information in this book is an explanation of why stock market investing with pension money is a dangerous way to grow your "wealth." In addition to being at risk from con men, thieves, incompetents, brokerage houses and market volatility, you face the ticking time bomb of a growing number of U. S. investors being legally required to liquidate their holdings beginning at age 70 1/2. As the Baby Boom generation turns 70 1/2 beginning in 2016, the selling moves from being a trickle into being a torrent that overwhelms new funds into the market at some point . . . followed by an inevitable collapse in stock values. If you want a more detailed, confirming discussion of this issue, the book, What If Boomers Can't Retire?, is a good choice. Harry S. Dent, Jr.'s demographic books also look at this issue. If you already believe in the messages of the earlier books, you could skip this one . . . especially if you have already decided to avoid or minimize stock-market investments. If you have read none of the Rich Dad, Poor Dad series, I suggest that you start with Rich Dad, Poor Dad before tackling this one. You'll understand this book better if you do. The other problem with traditional defined contribution pension investing (usually by 401-k plans), of course, is that a pension fund contribution takes lots of cash out of your pocket (unless the employer matching is very generous -- way more than 2:1) to put some money into the retirement account. So you face the possibility of being much poorer in cash flow while you save for retirement investing and poorer when you cash out of the investment after you pay the taxes on what you take back in what could be smaller values. Imagine if you had had to start withdrawing from your pension fund in 1929. That's one nice illustration that I enjoyed in the book. Possibly, the same could occur after 2016. Who knows? The second half of the book advises you on how to build a financial ark against hard times by relying on building cash-generating businesses and investments (such as rental properties) after you achieve your financial education (which you didn't learn in school, even if you got a business degree from most schools). You are encouraged to start small and develop various kinds of control over your emotions, advisors and actions. It's all sound advice. My only complaint is that people who are going to start making real estate investments and building cash-generating businesses need a lot more information than is here. I graded the book down one star, accordingly. The first half of the book could have been shortened up quite a bit, but for those who are unaware of the demographic time bomb's potential effect on their investments, it may help to get the story in small doses. The surprise for a lot of people in this book is going to be that what they hear every day from best-selling "authorities" about the "right rules" of retirement investing could easily turn out to be wrong for them. After you absorb and begin to apply these lessons, I suggest that you think about where in your life the conventional wisdom led you down the wrong path. Where else could that be happening to you now?
1. Med-IFA - NHS Pension Scheme Information - Specialist Financial Advice ...
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Voluntary Early Retirement: Members of the NHS Pension Scheme with at ... 20. Working here - Pensions ... frequently asked questions about the NHS Pension Scheme. ... the life assurance cover and family benefits provided by the NHS Pension Scheme. Early Retirement ... 21. Scottish Public Pensions Agency - NHS Scheme - FAQ ... Pensions Agency is an Executive Agency of the Scottish Executive. The Agency administers and regulates the NHS and ... voluntary early retirement from ... 22. Changes to the NHS Redundancy Arrangements Scheme, the employer pays for an early retirement package of a. 30/80. th. pension and 90/80 ... Scheme receives a normal age retirement pension from the ... 23. Policy Retirement Policy Policy number 6 Approved 14 September 2001 ... The NHS Pension scheme operates a Voluntary Early Retirement scheme. Under this ... scheme staff eligible for pension benefits may opt to take early retirement ... 24. 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early from nhs pension retirement scheme online resources. |
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