Table of Contents
List of Tables and Figures ix
List of Acronyms xi
Foreword xiii
Part I Lessons from the Past 1
Chapter 1 How Much Should You Save? 3
Chapter 2 It Was the Worst of Times 8
Chapter 3 Converting a Lump Sum into Annual Income 17
Chapter 4 A Realistic Retirement Income Target 23
Chapter 5 Should You Pay Off the Mortgage Early? 36
Chapter 6 Introducing the Rule of 30 44
Chapter 7 Stress-Testing the Rule of 30 57
Chapter 8 The Vulnerable Years 67
Chapter 9 Using Asset Mix to Improve Returns 76
Chapter 10 Refinements to Your Investing Approach 86
Chapter 11 Invest in Real Estate Instead of Stocks? 93
Chapter 12 Is It Better to Rent or to Own? 105
Chapter 13 One More Enhancement 111
Chapter 14 A Final Look at the Past 118
Part II Why The Future Will Be Different 123
Chapter 15 Pondering the Unknowable 125
Chapter 16 Bonds Will Underperform 136
Chapter 17 Interest Rates Will Remain "Low for Long" 141
Chapter 18 The Unpredictable Stock Market 149
Chapter 19 Putting It All Together 157
Part III Denouement 169
Chapter 20 Rounding Out the Picture 171
Chapter 21 Graduation Day 180
Chapter 22 The Big Picture 186
Appendix: Pensions from Government Sources 191
Acknowledgements 201
Index 202