The Bogleheads' Guide to Retirement Planning (59 page)

Read The Bogleheads' Guide to Retirement Planning Online

Authors: Taylor Larimore,Richard A. Ferri,Mel Lindauer,Laura F. Dogu,John C. Bogle

Tags: #Business & Economics, #Investing, #Personal Finance, #Business, #Business & Money, #Financial, #Non-Fiction, #Nonfiction, #Retirement, #Retirement Planning

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Specific risk
Spend-down, defined
Spending calculations, affordable
Spending habits
Spousal benefits, Social Security
Spousal IRA
Spousal share law
Spousal support
Standard & Poor’s
Standard of living
State Children’s Health Insurance Program (SCHIP)
State government defined benefit plans
State guaranty associations
State guaranty fund
State pension plans
State taxes
Stern, Hersh
Stevens, Sue
Stock investments
Stock options
Stowe, Bob
Straight-life annuity
Stress management
Stretch IRAs
Substantially equal periodic payments (SEPP)
Succession planning
Summary of material modifications (SMM)
Summary plan description (SPD)
Sunset provision
Surrender fee/charges
Surviving child
Surviving spouse
Survivor expectancy
Survivor’s benefits
Survivorship
Swedroe, Larry
Systematic risk
Target allocations
Target benefit plan
Target retirement funds
Taxable account
Taxable estate, defined
Tax-advantaged accounts, tax consequences of
Tax adviser, functions of
Tax analysis, annual
Taxation
deferred taxes
federal
income (
see
Income tax)
information resources
local
purpose of
state
tax code/law
Tax basis
Tax brackets
Tax code
Tax credit
TaxCut
Tax-deductible retirement accounts
Tax deductions, qualification for
Tax-deferred accounts
Tax-deferred funds
Tax-deferred plans, relative value of
Tax-deferred portfolio, rebalancing
Tax-deferred savings
Tax diversification
Tax-efficient investments
Tax-exempt bonds
Tax Foundation
Tax-free accounts
Tax-free bonds
Tax-free growth.
See
IRAs; Roth IRA
Tax laws
Tax levies
Tax liability
Tax loss harvesting
Tax minimization strategies
Taxpayer identification number
Tax rates.
See also
Marginal tax rate
Tax Reform Act of 1986
Tax returns
Tax shelters.
See
IRAs
Tax swap
Teachers(b) plans
Tenancy by the entireties property
Tenancy in common
Term certain
Term insurance
importance of
key-person
life
Three-factor model of investing
Thrift savings plan (TSP)
TIAA-CREF
Time value of money
Total costs
Total-market stock fund
Total-return portfolio
Totten trust
Tower, Ed
Trading agreements
Trading costs
Traditional IRA
catch-up contributions
contribution limits
conversion to Roth IRA
deductible contributions
defined
features of
income limits
required minimum distribution (RMD)
rollovers
Roth 401(k) distinguished from
Roth IRA distinguished from
rules
stretch
withdrawals from
Transaction costs/fees
Transfer of property
Transfer on death accounts
Transparency
Transportation costs
Travel expenses
Treasury bills
Treasury bonds/Treasury bond funds
Treasury inflation-protected securities (TIPS)
Treasury notes
Tricare/Champus
Trust(s)
accounts
as beneficiary
charitable
defined benefit plan
estate planning
estate taxes
funds
objectives of
people involved in
probate process
revocable
vs
. irrevocable
special needs
tax treatment of
types of
Trustee
TurboTax
Turnover ratio
12b-1 fees
Unconscious consumption
Underfunded retirement plans
Underwriters, functions of
Underwriting
Unemployment
Unemployment compensation, tax treatment of
Unified credit
Uniform Gifts to Minors Act
Uninsured population
United Airlines
U.S. Census Bureau
U.S. Department of Defense Military Health System
U.S. Department of Health and Human Services
U.S. Department of Housing and Urban Development
U.S. Department of Justice
U.S. Department of Labor
U.S. Department of the Treasury
U.S. Office of Personnel Management
U.S. stock index returns, worst cases
U.S. Treasuries
Universal life (UL) insurance policies
Unretiring, reasons for
Updegrave, Walter
Use test
Usual, customary, and reasonable charges
Vacation home
Vacations.
See also
Travel expenses
Valuation
Value funds
Value stocks
Vanguard Diehards reunions
Vanguard Group
annuities
characteristics of
500 Index Fund
Flagship clients
FTSE All-World ex-US (VFWIUX) fund
FTSE All-World ex-US ETF (VEU)
inflation-adjusted annuities
IRA fees
Large Cap Index
managed payout funds
money markets
New York Tax Exempt Money Market
Prime Money Market
STAR fund
Target Retirement funds
Tax Equivalent calculator
Total Bond Market (BND)
Total Bond Market Index Fund (VBTLX)
Total International Stock Market (VGTSX) fund
Total Stock Market ETF (VTI)
Total Stock Market Index Fund (VTSAX)
Voyager Select customers
web site
Variable annuities
Variable universal life (VUL) insurance
Vesting
Veterans Administration (VA)
Vision, importance of
Volatility
Volunteerism
Waiting period, disability insurance (DI)
Walz, Daniel T.
Wants
vs
. needs
Wash sale
Washington (state), tax provisions
“Ways of life” concept
Wealth accumulation
Wealth of Nations,The
(Smith)
Weiss, Martin D.
Weiss Research
Well-being
Wellington Fund
What Color Is Your Parachute? In Retirement
(Bolles/Nelson)
Where Are the Customers’ Yachts?
(Schwed)
Whole life (WL) insurance
Wills.
See also
Living will
Windfall elimination provision (WEP)
Windfalls
Withdrawal rate
account selection
amount of
budgeting worksheets
calculation of
determination of
4 percent
hardship cases
information resources
reasons for
safe withdrawal rate (SWR)
strategy development
tax consequences of
total-return portfolio
Work-related expenses
Worksheets, budgeting process
Worthless investments
Written retirement plan, importance of
Yield
You Don’t Have to Be Rich: Comfort, Happiness, and Financial Security on Your Own Terms
(Chatzky)
Young investors
Your Federal Income Tax for Individuals
(IRS Publication 17)
 
Zweig, Jason
1
Over an investment lifetime of, say, 50 years, the final values are, respectively, $459,000 and $135,400, a reduction of fully 70 percent.

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