Bury My Heart at Chuck E. Cheese's

Investing for a Lifetime + Website is about three main themes: savings, spending in retirement, and investing. Professionals will learn that:

• Investing for a lifetime involves saving for retirement rather than just investing those savings.
• A “savings goal” tells an investor how much must be saved by the time of retirement. For example, a married couple that has earned $100,000 per year must save 11.5 times that income to keep their standard of living steady in retirement.
• Investors with higher incomes must save much more because Social Security matters less and less as income rises. So do single men and women because they miss out on Social Security “spousal benefits”.
• By setting a rate of savings high enough to accumulate the required wealth by the time of retirement. That couple making $100k must save 15% of income during their working years to achieve their savings goal.
• Investing for a lifetime also requires careful planning about how much can be spent in retirement.
• Social Security remains a pillar of any retirement plan because benefits keep pace with inflation. Yet over two-thirds of Americans start Social Security early. Too many Americans retire without a clear plan for stretching resources through retirement.
• Investing itself is much easier than saving, although investing has many pitfalls for the unwary.
• Most investments are relatively easy to understand. That’s true of U.S. stocks and bonds, but also true of foreign stocks and real estate.
• The two largest challenges for investors are to choose the right portfolio to begin with and to stick with investment strategies. But investors must also keep track of investment performance using benchmarks for each asset class. These and other “best practices” help to guide investors to make the right investment decisions.