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Index > Index - Pg. 306

Index real rate of return, 132 timing the market, 131, 132 long-term risk (see inflation risk) lump sum payments checking record keeper, 79, 80 lump sum payout 401(k) plan option at retirement, 199, 201 style change, 125 world funds, 113 minimum distributions retirement, 202, 203, 204 mistakes, 249 investing, 252, 253, 254, 255, 256, 257 lack of saving, 250, 251 taxes, 251, 252 withdrawals, 257, 258, 259 Money, 121 Money Magazine, 114 money management individual responsibility, 39, 40, 41, 42 money managers, 26 money managers (financial planner), 228 money markets, 103 money withdrawal annuities, 163 common mistakes, 257, 258, 259 deductible IRAs, 91, 92 Morningstar Reports, 121 ratings, 121, 122 mortgage company as alternative to borrowing from 401(k) plan, 173 municipal bonds, 255 mutual funds, 27 (see MFs) 306 M magazine resources, 277 management changes (fund warning sign), 124 managers growth funds, 120 value funds, 119 managers (money), 26 market capitalization, 113, 114 market risk, 103 Market Risk chart understanding your 401(k) plans funds, 118 market timing long-term investing with stocks, 131, 132 maximizing 401(k) contributions retirement planning, 195 medical insurance (Medicare Part B), 247 Medicare, 238, 247 information resources, 248 Part A (hospital insurance), 247 Part B (medical insurance), 247 Medigap insurance, 247 medium capitalization funds, 113 Meeting My Retirement Goal worksheet, 265, 266 mergers, 35 MFs (mutual funds), 103 aggressive growth funds, 113 choosing the ideal investment, 114, 115 company stock funds, 113 equity-income funds, 112 foreign funds, 113 fund evaluation, 120, 121 Morningstar Reports, 121, 122 Oakmark Equity & Income I, 122, 123 objective compared to portfolio, 124 Royce Low-Priced Stock, 123 Van Kampen Emerging Growth A, 123 global funds, 113 growth and income funds, 112 growth funds, 112 versus value funds, 119, 120 international funds, 113 market capitalization, 113, 114 small company funds, 113 stock index funds, 113 understanding your 401(k) plans funds, 118 Market Risk chart, 118 organization by risk, 118, 119 prospectus, 118 value funds, 113 versus growth funds, 119, 120 warning signs, 124 change in control, 125 changes in management, 124 changing or nearing a goal, 125 fund gets too big, 124 performance, 125 N NAPFA (National Association of Personal Financial Advisors), 232 NASD (National Association of Securities Dealers), 231 researching a financial planner, 231 NASSA (North American Securities Administrators Association), 231 researching a financial planner, 231 National Association of Personal Financial Advisors (see NAPFA) National Association of Securities Dealers (see NASD) National Center for Employee Ownership, 152 Nationwide Best of America, 164 negative enrollment (see AE) net worth, 44, 45 newsletter resources, 276 NHCE (non-highly compensated employees), 24 no income-limit IRAs, 92 non-highly compensated employees (see NHCE) nondeductible IRAs, 92, 219 education IRAs, 93 no income-limit IRAs, 92 nondiscrimination testing, 24 nonqualified stock options (see NSOs) nonworking spouse (spousal deductible IRA), 91 North American Securities Administrators Association (see NASSA) NSOs, 155 (nonqualified stock options), 154 numbers obtaining a Social Security number, 239 O Oakmark Equity & Income I