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Index > Index - Pg. 310

Index self regulatory organizations (see SROs) self-directed brokerage, 27 self-employment plans Keogh plans, 212, 213 SEP-IRAs, 213, 214 SEP plans, 9 (Simplified Emloyee Pension plans), 9 SEP-IRAs, 213, 214 (Simplified Employee Pension plan), 213 separation from service company mergers, 35 SERP (Supplemental Executive Retirement Plan), 25 services financial planners, 230 setting goals, 97, 98, 99 shareholder-approved plans ISOs, 153 shares, 102 short-term income funds (see STIF accounts) short-term pleasures as poor reason to borrow from your 401(k) plan, 83 short-term risk (see market risk) signing up for Social Security benefits, 245, 246 SIMPLE 401(k) plans, 9, 211 (Savings Incentive Match Plans for Employees), 9 SIMPLE IRAs, 210, 211 simple retirement accounts small business employers, 210 SIMPLE 401(k) plans, 211 SIMPLE IRAs, 210, 211 Simplified Emloyee Pension plans (see SEP plans) Simplified Employee Pension plan (see SEP-IRAs) single premium annuities, 157 single-life annuity annuity payout option, 204 Small Business Job Protection Act, 210 small capitalization funds, 113 small company funds, 113 small-business employers simple retirement accounts, 210 SIMPLE 401(k) plans, 211 SIMPLE IRAs, 210, 211 Social Security Board of Trustees, 237 credit earnings, 238 delayed retirement benefits, 242 disability benefits, 243, 244 early retirement benefits, 241 family benefits, 243 figuring your benefit, 239, 240 future defecit, 237, 238 history, 235, 236 impact on retirement planning, 50, 52 information resources, 248 obtaining a number, 239 pay-as-you-go system, 236, 237 promised benefits, 236 retirement benefits, 241 signing up for benefits, 245, 246 spousal benefits, 243 SSI, 245 survivor benefits, 244, 245 taxes, 238 FICA, 238 Medicare, 238 working during retirement, 246 Social Security Act, 235 Social Security Administration (see SSA) software retirement-planning, 279, 280 software applications retirement savings needs, 62 sources account information, 73 account statements, 74 IVR, 74 pay stubs, 75 people, 75 SARs, 75, 76 Web sites, 74 SPDs, 68 (Summary plan descriptions), 14 SPIC (Securities Investors Protection Corporation), 34 spousal benefits Social Security, 243 spousal deductible IRAs, 91 nonworking spouse, 91 working spouse, 91 spousal IRAs, 217 spouses accessing 401(k) plans, 34 spread (fair market value of the stock), 154 SROs (self regulatory organizations), 231 SSA (Social Security Administration), 237 SSI (Supplemental Security Income), 245 state taxes security of 401(k) plans, 35 stepped-up-basis annuities, 163 STIF accounts, 32 (short-term income funds), 32 stock, 102 stock funds, 103 stock index funds, 113 stock options ESPPs (see ESPPs) ISOs (see ISOs) NSOs (see NSOs) stocks, 102, 112 aggressive growth funds, 113 choosing the ideal investment, 114, 115 company stock funds, 113 equity-income funds, 112 foreign funds, 113 global funds, 113 growth and income funds, 112 growth funds, 112 versus value funds, 119, 120 international funds, 113 long-term investing, 127, 128, 130 dollar cost averaging, 134 real rate of return, 132 timing the market, 131, 132 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, 119 310