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The Bogleheads' Guide to Retirement Planning [Kindle Edition]

Taylor Larimore , Mel Lindauer , Laura F. Dogu , Richard A. Ferri , John C. Bogle
4.7 out of 5 stars  See all reviews (78 customer reviews)

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Book Description

The Bogleheads are back-with retirement planning advice for those who need it!

Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy.

Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor.

  • Explains the different types of savings accounts and retirement plans
  • Offers insights on managing and funding your retirement accounts
  • Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle
  • Addresses essential estate planning and gifting issues

With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.



Editorial Reviews

From the Inside Flap

The global financial crisis, coupled with the reality of a recession and brutal bear market, has wreaked havoc on the retirement savings of millions of Americans. Add this to the fact that each year over the next twenty-five years, a growing portion of America's population will reach retirement age—with fewer resources for them to draw from—and you can see the potential problem we face.

Whatever your current situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of our new financial world.

Fortunately, the Bogleheads—a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, founder and former CEO of the Vanguard Group—are here to help. With The Bogleheads' Guide to Retirement Planning, this diverse collection of investors, who have shared their collective wisdom on www.Bogleheads.org for more than a decade, offer valuable advice on a wide range of retirement planning issues.

A truly group effort (no fewer than forty Bogleheads contributed in some capacity), this reliable resource is a first-rate primer on saving and investing for retirement. Divided into six comprehensive parts and filled with practical tips and anecdotes—including some pearls of wisdom from Bogle himself—The Bogleheads' Guide to Retirement Planning:

  • Explains the different types of savings accounts and retirement plans, from the individual retirement arrangement (IRA) to single-premium immediate annuities (SPIAs)

  • Warns you about the types of taxes that can affect your retirement plan

  • Offers insights on managing and funding your retirement accountsDetails efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle

  • Discusses the important part disability and health insurance programs play in a retirement plan

  • Addresses essential estate planning and gifting issues

It's one thing to save for retirement, but another thing to plan for it. With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.

All royalties are donated to the National Constitution Center, a nonprofit organization dedicated to increasing public understanding of, and appreciation for, the U.S. Constitution.

From the Back Cover

"Meet the wisest and most generous crowd on Wall Street: the Bogleheads. The Internet's worst-kept secret is now well out in the open; for the best in online investment education and advice, you can't beat www.bogleheads.org. Wisdom of crowds, indeed: a thread for almost every need, an expert contributor for every subject. Now, for the first time between these covers, the Bogleheads assemble their formidable collective expertise on retirement planning. Savor, enjoy, and learn."—William J. Bernstein, author of The Investor's Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between

"The Bogleheads' Guide to Retirement Planning delivers the power of the community. Each chapter may have its own author, yet all have been molded by the remarkable Bogleheads community, resulting in a wonderful book that offers readers a slew of practical suggestions and a hefty serving of carefully calibrated advice."—Jonathan Clements, author of The Little Book of Main Street Money

"The Bogleheads have done it again! The web's savviest and most caring investment consortium has gathered all the information you'll need to plot a safe and sane course toward retirement. Their camaraderie, kindness, and commonsense wisdom will steel you to 'stay the course' and realize your retirement dreams. With the Bogleheads, asking the audience is always the best solution."—Don Phillips, Managing Director, Morningstar

"This book pilots the reader around the shoals of retirement planning, including tricky issues such as social security, health insurance, divorce, and finding proper financial advice. This not-for-profit collaborative enterprise answers recurrent questions raised by members of the Bogleheads online forum with clarity, wisdom, and humor. It exposes fallacies, suggests alternatives, and reassures the thorough planner. It is a welcome contribution to a world where unrestrained greed and complex financial arrangements have capsized many. I keep referring back to it."—Ed Tower, Professor of Economics, Duke University


Product Details

  • File Size: 1460 KB
  • Print Length: 404 pages
  • Page Numbers Source ISBN: 0470455578
  • Publisher: Wiley; 1 edition (September 24, 2009)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • ASIN: B002QX44IS
  • Text-to-Speech: Enabled
  • X-Ray:
  • Lending: Enabled
  • Amazon Best Sellers Rank: #17,471 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
101 of 108 people found the following review helpful
5.0 out of 5 stars Complete. Neutral. Many options, not enough guidance October 5, 2009
Format:Hardcover|Verified Purchase
The strongest features of this book are its truly exceptional breadth and completeness of coverage, and its level-headed neutrality. This book will protect you from blind spots, from overlooking things, and from the salesperson who wants you to focus on _which_ confrabulated glommis to buy, and not on _whether_ you need a confrabulated glommis at all. Buy this one book and you've got a solid basic reference for _everything_.

I wish I'd had this book a few years ago when I was planning for retirement. I browsed the bookstores and the library. I found dozens of books with "retirement" in the title, but all of them seemed to be focussed on accumulation for retirement, and on mutual fund investing. A subject like "social security" might get a one-page once over. Long-term care insurance might not be mentioned at all, or would say little more than "It exists; consider it."

You can see the breadth of coverage yourself from the table of contents (use "Click To Look Inside"). What other book on retirement discusses "Divorce and Oher Financial Disasters?" An exceptional chapter on "Seeking Help from Professionals" explains differences between all the various people who call themselves "financial advisors," and the importance of knowing whether the relationship is or is not a fiduciary relationship.

What's not as obvious at a quick glance is how neutral and balanced the book is. Much of it is written by people who learned about products by buying them rather than by selling them. The whole balance and tone is totally different from the typical money magazine article. For example, the chapter on life insurance is the most informative and even-handed discussion of term versus whole life I've ever seen.
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72 of 79 people found the following review helpful
3.0 out of 5 stars Can't say it's the best investment of your time March 6, 2011
By JYoder
Format:Paperback|Verified Purchase
I had high hopes for this book but was ultimately disappointed. I think there are two reason for this.

First, I think it tries to cover a little to much, including topics that I don't necessarily think should be part of the retirement planning (ie general investing stuff). I was looking for a more narrowly targeted book. So would this be a good overview/introduction book? Well, no; and this brings me to my second issue.

The book is straddling the line between beginner and expert on knowledge of the topics covered. This is to say it covers a lot of topics, and does give you the basic concepts you need to consider in each of the topics(this is the beginner part), but since the topics are limited in scope, they tend to throw the concepts and terms at you without giving you the foundation for understanding the terms. So If you an expert, you say to yourself, yep, I know that already, and if you are a beginner, you are saying ok I got my marching orders, but I don't understand exactly what it means, or how to implement them.

To summarize, if you are well versed in the topic you will not be picking up much new information, but if you are a beginner you will probably get confused, or will not know how to implement the plans provided.

Now, the book is written by new authors for each topic, so the review I just provided does not apply for each topic, but the overall feeling I got when reading the book was that this book will help you to understand what topics you will need to investigate further (because you didn't understand fully what the writer was talking about), or you will decide okay, I am think I understand this topic quite well because I really didn't get anything new here.
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47 of 51 people found the following review helpful
5.0 out of 5 stars Trustworthy source on personal finance October 6, 2009
By P. Rank
Format:Hardcover
How do you judge financial advice? Do you trust professionals or rely on the word of mouth? Do you want DIY or plan to engage an adviser? As always, it all depends.

The beauty of this book is that it combines all of the above. Some of the authors are professional advisers, whereas others are highly educated and knowledgeable amateurs. The book can serve as a guide for your own planning, or it can be used to understand the service your adviser provides to you.

And, please, do not underestimate amateurs! I use this word to mean "A person who engages in an art, science, study, or athletic activity as a pastime rather than as a profession." While some authors do not do finance professionally, they are executives, medical doctors (MD), scientists, mathematicians, engineers, and other professionals who are passionate about personal finance. They applied their extensive skills to provide a comprehensive and coordinated analysis of some of the most complex issues in personal finance and brought it to you in this book.

You have heard that the Wall Street hires "rocket scientists" to do finance. In practice, it means that physicists, mathematicians, electrical engineers, computer scientists, and others bring their analytical skills to the financial industry and use their talents to create financial products. While I don't advocate many of those products, my point is that the authors of this book are your personal rocket scientists!

I would also like to comment on the DYI part. There is frequently a conflict between simple things that you can do yourself and that are good for you, and complex things serving a similar function that others are selling to you. You can have a free glass of water or you can pay for a designer drink.
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Most Recent Customer Reviews
3.0 out of 5 stars I guess I'm not a Boglehead
I've heard so much about the simplified investment and retirement processes implored by "Bogleheads" across the country. For me, this book fell a little flat. Read more
Published 7 days ago by JLBII
5.0 out of 5 stars Good book
Good book. Bought for both of our kids. They are in their mid 30's and wanted them to start thinking about how to save for future retirement. Read more
Published 16 days ago by Dave
5.0 out of 5 stars Five Stars
Practical and useful information.
Published 29 days ago by MRM
3.0 out of 5 stars Three Stars
Nothing new or different here, but certainly well enough written.
Published 1 month ago by Thomas C. Gibbons
5.0 out of 5 stars Valuable Information presented in a very concise way. Effective ...
Valuable Information presented in a very concise way. Effective retirement planning is a must and this book provides a sound
basis for this.
Published 1 month ago by Robert Eggleston
5.0 out of 5 stars Best book on retirement planning that I have ever read
Best book on retirement planning that I have ever read. Shows that planning is no so difficult that you need to spend huge money on investment advisors. Read more
Published 1 month ago by Sherry R.
3.0 out of 5 stars Not as useful for this retiree
The book has much information and it provided some insight in a few areas. I was looking for more detail about various approaches to asset allocation and withdrawl. Read more
Published 2 months ago by dan
5.0 out of 5 stars A Very Well Written and Comprehensive Retirement Planning Guide.
I have used this book primarily as a reference source and find it to be very helpful and comprehensive tool. Read more
Published 3 months ago by Don Jose
5.0 out of 5 stars Well worth buying.
I have read this book twice now. It is clear and easy to understand and gives clear ideas and suggestions in regards to planning for your retirement.
Published 3 months ago by spacraig
5.0 out of 5 stars Great resource
This is a book from some of the most knowledgeable people around without an agenda. Pair this with the Boglehead's Guide to Investing and you will know more than 99% of ordinary... Read more
Published 3 months ago by Banjo
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