Some early retirement survey focused almost exclusively on men when making retirement decision. Until recently, woman may have some decisiveness which affected retirement decision for her and her husband. Recognition of the difference point of view add some complexity on making retirement decision. Off course, the retirement decision is varied beyond gender and economic issues. Substantial differences in health condition, employment market, family finance situation, and care giving responsibility can lead to the differences timing of retirement. (more…)

Life changes after we retire. This is the time for some to be free from mustiness to work for earning a living, raising family, and some routines that we hate to do. But this is can be a time of boredom, uselessness, capitulation and slowing your life’s pace. Either way, the way we will likely fell or behave after we retire is much more depend on what activities we want to do on that particular time. (more…)

Planning for retirement can be boiled down to 2 part simple equation: it is all about managing income (inflows) during your working or earning days and managing expenses (outflows) during your retirement days. Different people will have different opinion regarding retirement, that’s natural. But rather than a static state, retirement is a dynamical state, changing with life events, financial events, and even your own education as you learn more about concepts and products. (more…)

Retirees have experience, knowledge, and skills that society needs. They constitute a giant reservoir of ability and talent. But finding the right retirement part time jobs is not always easy. It is estimated that for every two retirees who work retirement part time jobs, at least one more person would like to work. With Plan B, you have some choices. For example, you can continue to use skills you already possess or learn to do something fresh and different. Here are some ideas or area to consider: (more…)

Pension investment policy is one decisive point in planning and implementing a successful pensions plans. This area should need thoughtfulness due to its vast responsibility factors: the consequences of investment performance results may adverse pension investment goal. Hence, it should not be delegated to external third party consultants or money managers. Pension boards, top managements, shareholders, taxpayers and nonetheless employees, should pay a vital role in monitoring and reviewing pension investment policy. In the first place, there should be policy which will communicate the objectives of the pension plan policy scope and objectives to those all parties involved. The policy should have several key elements and aimed in funding pension liability for Defined Contribution Plans and Defined Benefit Plans. (more…)