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Pensionize Your Nest Egg: How to Use Product Allocation to Create a Guaranteed Income for Life Paperback – August 17, 2010

ISBN-13: 978-0470680995 ISBN-10: 0470680997 Edition: 1st

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Product Details

  • Paperback: 256 pages
  • Publisher: Wiley; 1 edition (August 17, 2010)
  • Language: English
  • ISBN-10: 0470680997
  • ISBN-13: 978-0470680995
  • Product Dimensions: 9.1 x 6.1 x 0.5 inches
  • Shipping Weight: 11.2 ounces (View shipping rates and policies)
  • Average Customer Review: 3.9 out of 5 stars  See all reviews (8 customer reviews)
  • Amazon Best Sellers Rank: #360,254 in Books (See Top 100 in Books)

Editorial Reviews

From the Back Cover

PensionizeTM Verb. 1. To convert money into income you can't outlive. 2. To create your own personal pension, a monthly income that lasts for the rest of your natural life.

With the subpar performance of the markets, record-high personal debt levels, and shockingly low savings rates, it's clear that many Canadians expecting to retire in the next decade simply don't have a sufficient nest egg to ensure a worry-free retirement. Making matters worse, only about one-third of Canadians currently belong to a formal, or registered, pension plan; and even a large number of that "lucky third" will not retire with a guaranteed pension income.

If you no longer have the time to wait and hope for your traditional investments to pay off, the answer is to "pensionize your nest egg" using the new technique of product allocation set out in this book. Pensionize Your Nest Egg explains how to

  • Recognize if you really have a pension or just a tax-sheltered savings plan.
  • Become informed about the new risks you and your nest egg face in retirement and why asset allocation, despite its value in the accumulation stage of life, is not sufficient to protect you and your money.
  • Measure your retirement sustainability quotient (RSQ) and your Financial Legacy Value (FLV)—then choose a retirement income plan on the Retirement Income Frontier.
  • Understand how product allocation differs from asset allocation, how to allocate your nest egg across three product silos, and learn about the new financial products that are available to protect against the new risks you face.
  • Follow a seven-step process to close your Pension Income Gap and convert your retirement savings into a secure stream of lifetime income.
Whether you do it yourself or work with a financial advisor, Pensionize Your Nest Egg gives you a simple plan to create a guaranteed retirement income-for life.

About the Author

MOSHE A. MILESKY, Ph.D., is an author, researcher and professor at York University in Toronto, Canada.

ALEXANDRA C. MACQUEEN is a Certified Financial Planner professional who works as a project manager at The QWeMA Group in Toronto, Canada.


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Customer Reviews

3.9 out of 5 stars
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Most Helpful Customer Reviews

10 of 10 people found the following review helpful By Sailaway on February 22, 2011
Format: Kindle Edition Verified Purchase
Written by a math prof and an investment advisor. The authors are Canadian and the book is written from the perspective of Canadian retirees but don't let that throw you. The Canucks came out of the last market dive in pretty good shape and they can teach us a thing or two about sane investing and conservative money management. They're also smart as whips!

This book is full of excellent retirement income advice that is as applicable to an American as it is to a Canadian. I know, I've lived in both countries under both tax systems and have retirement assets in both countries- 401(K) in the US and RRSP in Canada.

The key take away is that the old defined benefit pension plans of yesteryear were worth their weight in gold and that persons who do not have this benefit as a retirement option (like me!) should seek to emulate it through other investment vehicles like annuities. Many useful concepts like income sustainability, layering, product (not asset) diversification are covered in detail.

I definately recommend this book if you have been accumulating and haven't looked into the decumulation phase when you'll be drawing on your accumulated assets to fund your retirement. Many investors, myself included, are deficient in this very important area of retirement planning.

Its also a pretty good read for an investment book.
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2 of 2 people found the following review helpful By Paula A. McMahon on July 14, 2013
Format: Paperback Verified Purchase
Worthwhile to read -- very informative. Only negative is that it is written from a Canadian perspective, but that impacted the overall theme slightly. It helped me decide to purchase an annuity as a part of my retirement.
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4 of 5 people found the following review helpful By Gene on August 21, 2012
Format: Paperback Verified Purchase
I enjoyed reading this book. It is well written and informative. The authors goal was to describe how to create a guaranteed income for life. He does tell you the mechanics of how to accomplish this. My only critizism is that the author didn't emphasize enough or take into consideration the cost of paying for this. He does say it's around 3 1/2% annually. In this day and age where we hear that we can expect on average about 5% return on our investments that 3 1/2% is a huge number.
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1 of 1 people found the following review helpful By R. Neal Angel on April 24, 2013
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An excellent book that addresses the unique risks faced by Boomers in their early retirement years, along with strategies to mitigate those risks. Because the author is Canadian, US readers will need to excuse his references to the Canadian retirement system. That said, the basic concepts are transferable for American audiences.
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