Financial Advisor had a recent article in which they discussed a retirement success study conducted by Putnam. Quite logically, Putnam defined retirement success by being able to replace your income in retirement. They discovered three keys to retirement success:
- Working with a financial advisor
- Having access to an employer-sponsored retirement plan
- Being dedicated to personal savings
None of these things is particularly shocking, but taken together, they illustrate a pretty clear path to retirement success.
- Investors who work with a financial advisor are on track to replace 80 percent of their income in retirement, Putnam says. Those who do not are on track to replace 56 percent.
- Workers who are eligible for a workplace plan are on track to replace 73 percent of their income while those without access replace only 41 percent.
- The ability to replace income in retirement is not tied to income level but rather to savings level, Putnam says. Those families that save 10 percent or more of their income, no matter what the income level, are on track to replace 106 percent of their income in retirement, which underscores the importance of consistent savings, the study says.
I added the bold. It’s encouraging that retirement success is tied to savings level, not income level. Everyone has a chance to succeed in retirement if they are willing to save and invest wisely. It’s not just an opportunity restricted to top earners. Although having a retirement plan at work is very convenient, you can still save on your own.
It’s also interesting to me how much working with a financial advisor can increase the ability to replace income in retirement. Maybe advisors are helping clients invest more wisely, or maybe they are just nagging them to save more. Whatever the combination of factors, it’s clearly making a big difference. Given that the average income replacement level found in the study was 61%, working with an advisor moved clients from below average (56%) to well above average (80%) success.
This study, like pretty much every other study of retirement success, also shows that nothing trumps savings. After all, no amount of clever investment management can help you if you have no capital to work with. For investors, Savings is Job One.
I am curious to find out what blog system you are working with?
I’m having some minor security problems with my latest
website and I’d like to find something more safe. Do you have any suggestions?
Wow, that’s what I was looking for, what a data!
present here at this webpage, thanks admin of this site.
Feel free to surf to my blog post Mansions at Acqualina 17749 collins avenue Miami Beach 33160
you are in reality a excellent webmaster. The website loading pace is amazing.
It sort of feels that you are doing any distinctive trick. Also, The contents are masterwork.
you’ve done a excellent job on this subject!
I have read so many articles or reviews concerning the blogger
lovers except this post is really a fastidious piece of writing, keep it up.
Take a look at my web page :: elo boost ban wave
I simply couldn’t go away your web site before suggesting that I extremely loved the usual information a
person supply for your visitors? Is gonna be back often to inspect new posts
Whoa ! Este blog se ve exactamente justo como mi
viejo! Es en un totalmente subject pero tiene
más o menos la misma diseño y el diseño. Superb elección de los colores !
I lived aas mucdh as you will receive caarried
out right here. The sketch is tasteful, your authored material stylish.
nonetheless, you command get bought an shakiness over that you wish
be delivering the following. unwell unquestionably come more formerly again since exactly the same nearly a
lot often inside case you shield this increase.
Remember to never spray the face first, especially if they don’t know what to expect and have never had a spray tan before Point out to them that it will feel quite cold and that they
shouldn’t allow their body to crease too much during the
process. If anything unusual does appear there, and continues to
grow, then the best thing to do would be to go for a
check up with one’s local doctor and see if anything
can be done about it. Whether the course content is relegated to an in-person, online or DVD experience,
expect to learn the proper use of airbrush equipment, safely aspects
of sunless tanning and skin prep and application techniques unique to this
industry. Wear Goggles Wear regular tanning
goggles when getting your sunless spray tan. The best part is that their products are
very easy to apply and are made of completely natural ingredients.
Did you ever desire to have a faultless Hollywood smile.
Do a test patch first to determine whether or not your skin will be
irritated by it. that the spray mist is applied evenly across the skin.
But before anything else, you need to arrange your hair and
pull it up in a ponytail to avoid hair blocking the skin. An IPL device
uses the non-invasive way for eliminating undesirable hair and is very
well-known.
My weblog: famous dave fake tan
Admiring thee tme and effort you put into your
site and in deptth information youu offer. It’s great to come across a blog evesry once in a while that isn’t the same outdated rehashed information. Wonderful read!
I’ve bookmarked your site and I’m including
your RSS feeds to my Google account.
If you can’t might wear a fabulous mask, compared to step will probably rule out the intense dress
fancy dress outfits that are dependent on masks. Since the vast majority of people have no choice but to clothe themselves, there is
no excuse for people to wear unattractive clothes. Celebs have an extremely large influence, shaping opinions and creating developments:
hair designs, clothing, devices and a lot much more.
my website … Long Sleeve Bodycon Dress Bebe
Hi, Ithink your websie might be having browser compatibility issues.When I loook at your blog site in Safari, it looks fine but when openin in Internet Explorer, it has some overlapping.
I just wanted to give you a quick heads up! Other then that, fantastic blog!
Their ringer t-shirt will be the type connected women’s
clothing used mostly as their sports uniform. The woman has her hand on her
face, and that face is lined with worry. I feel big, loose-fitting separates can be
worn by both slim and slightly overweight women.
My web page … best celebrity dresses for cheap
Si deseas quisiera a crecer know how justo sigan visitando este sitio web y estar al día con la última más caliente información publicado aquí.
WOW just what I was searching for. Came here by searching for relationship counselling herfordshire
Tarzana CA Pest Control
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
I sempre trascorso la mia mezz’ora per leggere questo blog ‘articoli o recensioni ogni giorno insieme
a una tazza tazza di caffè.
Frugal shopper: Free samples of Olay Total Effects Body Wash,
Bene - Via health drinks, Nivea Lotion. Simply rub your finger-tips
up and down about ten times and then rub them from the corners
of your eyes outwards. There are a number of things that can help
a spray tan to last longer and a few preparations that can be made.
my homepage … chloe sims the best hair care products for african american hair
Czy kiedykolwiek rozważyć o dodawania trochę więcej niż tylko swoje artykuły?
Chodzi mi o to, co mówisz, jest wartościowe i wszystko.
Jednak myślę o jeśli grafika lub Filmy dać
swoich postów więcej, “pop “! Zawartość jest doskonałe, ale z zdjęcia i filmy,
to strona może z pewnością być jednym z największy niszowych.
Wspaniałe blog
It is very imperative that the spaces left with the boxes should be
closed with other things so that the furniture wouldn’t have a room to move while
been moves about. A new Interstate protocol could be needed to allow
convoys to build in the left lane. There are many ways these estimates can help you make an informed
choice so you don’t end up hiring the wrong company
and ending up with problems you don’t need or want at this stressful time in your life.
mich zu Netto von PHP zu bewegen. Wird überzeugen, zu überreden versucht.
Ich habe immer wegen der mochte die Idee. Aber er ist tryiong nicht weniger.
Ich habe mit WordPress auf einige verschiedene Webseiten für etwa ein Jahr und bin nervös
besorgt über einen Wechsel zu einer anderen Plattform. Ich habe gehört, sehr gut.
Gibt es eine Möglichkeit, ich kann import alle
meine WordPress content in das? Jede Art von Jede Hilfe wäre wirklich sehr geschätzt!
Ich bin wirklich inspiriert beeindruckt mit Fähigkeiten Fähigkeiten und
auch in Ihre weblog. ist, dass dies eine bezahlte subject oder ändern Ihr Selbst?
So oder so halten die schön Qualität Schreiben, es selten Sehenswürdigkeiten a great weblog wie diese in diesen Tagen ..
und mit
Oh meine Güte! Ehrfürchtig Artikel dude! Dank Aber ich
bin mit Probleme mit Probleme mit Ihrem RSS.
Ich weiß nicht wissen verstehen, warum Ich kann nicht abonnieren es.
Gibt es jemand anderes mit dieselbe Themen?
Jeder, der weiß, die Antwort können Sie freundlich reagieren? Thanx
Dank! Website ‘s Post regelmäßig aktualisiert
werden
Es ist genial konzipiert zur Unterstützung der mir, eine Website haben web page wertvollen for Dank admin für Blog, ich Ihnen von
Howdy Dies ist mein erster ersten Kommentar hier so wollte
ich nur eine schnelle schreien geben und sagen, I sagen wirklich Lese Artikel.
Können Sie empfehlen keine anderen Blogs / Websites / Foren, die gehen über die gleiche
Abdeckung Themen? Vielen Dank für Blog, ich Ihnen von
Es ist wie du meine Gedanken lesen! Sie scheinen
bis eine Menge darüber Bescheid wissen, wie Sie das Buch in ihr oder etwas
geschrieben hat. tun können einige mit ein paar Fotos, um die Nachricht zu Hause ein bisschen ein wenig fahren, aber andere als Das statt, das
ist großartig fantastischen ausgezeichnete Blog. A great lesen.
Ich sicherlich wieder.
I was at first shocked and then giddy with excitement as
I went and started catching hoppers. When tying the lines to your jugs
use between 3′ and 6′ of line with a single hook attached.
They are “in the middle of investigating” these mortalities,
looking into everything from environmental factors including extremely cold
weather to effects of the BP oil spill.
Have a look at my web blog - boat dock accessories
But there are also those who are not amenable to this
kind of treatment such as Dr. Just like other facilities,
medical facilities at Salt Lake City are quite advance and it has been serving different needs of the patients for the past many years.
And premature skin aging is considered to be one of those problems.
Feel free to visit my weblog - face Contouring
Essential is a good set of insulated waders as
well as a hooded, waterproof coat to wear
over your clothing and waders. At times, your sailing instructor may need to issue an order and have it followed immediately.
But have you ever thought about living in your boat
full time.
Feel free to surf to my web site :: norfork trout dock white river
Since many men and women are mindful that keeping up with your healthy
weight range has several emotional and physical benefits.
Emphasis of this program is getting rid of unsafe carbohydrates out of one’s every day diet plan.
Human Chorionic Gonadotrophin or better known as HCG
is a naturally occurring substance produced in pregnant women.
Feel free to surf to my blog average weight loss hcg first week
It is therefore necessary to hire a reputed moving service provider
who has high quality vehicles and equipments for packing, loading
and unloading your items. The best bet is to ensure that your items are properly
packed. Generally, those moving companies that have existed for decades have built ties with the local
community and its business circle, ensuring that they are motivated to continue providing excellent service to all their customers.
my web blog storage units sacramento ca 95833
I’m now not positive where you are getting your information, but great topic.
I must spend a while learning more or figuring out more.
Thank you for wonderful information I was on the lookout for this information for my mission.
e cigarette store locator
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Hello it’s me, I am also visiting this site regularly, this website
is truly fastidious and the viewers are truly sharing fastidious thoughts.
Everything published was very logical. But, think about this,
suppose you composed a catchier title? I ain’t suggesting your
content isn’t good., but suppose you added a title that grabbed folk’s attention? I mean Retirement Success • Systematic
Relative Strength • Dorsey Wright Money Management Systematic Relative Strength is kinda vanilla.
You could look at Yahoo’s front page and watch how they create article headlines to get people to open the links.
You might add a video or a related picture or two to grab people interested
about everything’ve written. In my opinion, it might bring your posts a little bit more interesting.
Neighbors also visit home and put colors on the individuals and say to them bura na mano aaj
holi hai. Let’s ponder a few of the issues one should consider when contemplating dress.
Holi is a celebration of colors, where friends and
family members meet and apply colors to each other.
Jeff Halevy
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Foundation for Defense of Democracies
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Imperial Advance
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Arthur Falcone
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Brandon Colker
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
freedom mentor
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Luigi Wewege
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Corey Park
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Kion Kashefi
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
.VPXkGTpAv2Q
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Brian Poe Lexington KY
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Karl Jobst
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Slap On Tracker
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Covert Tracking
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Suresh Babu Gaddam
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Magnetic tracker
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
GPS
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Very good article!We are linking to this great artiicle on our website.
Keep up the great writing.
If you desire to get a good deal from this piece of writing then you have to
apply such methods to your won web site.
Excellent blog you’ve got here.. It’s hard to find quality writing like yours nowadays.
I really appreciate individuals like you! Take care!!
Hello, i believe that i noticed you visited my site so i came to return the prefer?.I am attempting to
to find issues to enhance my site!I suppose its adequate to use some of your concepts!!
Grove OK Dentist
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Can I just say what a relief to uncover someone that genuinely knows what they are discussing on the web.
You certainly realize how to bring a problem to light and make it important.
More people really need to look at this and understand this side of your story.
I can’t believe you are not more popular because you most certainly have the gift.
Daren Zenner
Retirement Success • Systematic Relative Strength • Dorsey Wright Money Management Systematic Relative Strength
Hola! Debo de decir que coincido con casi todo lo que comentas en el artículo, me ha parecido muy interesante y lo más importante, explicativo
y legible… Tanto mi marido como yo llevábamos tiempo buscando sobre
esto y no encontrábamos información útil. Os guardo en marcadores
Un saludo y muchísimas gracias por tocar este tema.
The plant life grow quite tall for an autoflowering strain, a characteristic inherited from the Dark Devil genetics that intervene in the cross.
Aspettatevi un gusto legnoso e un aroma di pino, le
piante in cui l’Indica le persone pensano che sia dominante
sono notoriamente appropriata dolci.
With this, the beginner has to ensure that he has his balance perfected before requesting
for a faster ride. Or you can take up the archery equivalent of
clay pigeon shooting, which is known as field archery.
If you haven’t even bought your kids play equipment
yet, then always look for a manufacturer who supplies foam protection as standard.
I got this site from my friend who told me concerning
this web site and at the moment this time I am browsing this web page and reading very informative
articles or reviews at this place.
Your style is really unique in comparison to other people I have read stuff from.
Thank you for posting when you’ve got the opportunity, Guess I’ll just bookmark
this web site.
Hello, after reading this remarkable article i am also cheerful to share my experience here
with mates.
If you are a true fan of Smallville, it’s simple to go to
your favorite DVD store and get your individual copies of the multi disc sets define the Smallville complete season.
But you may not takes place camera properly or else you are just pressing the
shutter. You can watch them on your computer, or if it is possible to connect your personal machine in your television screen it is possible to
watch it on there.
/u/aBoglehead is, as the name implies, a Boglehead The Boglehead forums discuss the ideas of John Bogle, the person who came up with the idea of an index fund and implemented the first one at The basic philosophy is to invest in only low cost index funds because they give the best risk adjusted returns for a given amount of For the vast *vast* majority of the people that frequent this subreddit, it is the optimal way to I have half of my portfolio in low cost index funds and the other half in hand-picked bluechips because I am a special