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Retirement Portfolios: Theory, Construction and Management, by Michael J. Zwecher
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Retirement portfolio guidance for finance professionals
Retirement is one of the most important parts of the financial planning process. Yet only two percent of financial advisors describe themselves as competent in retirement planning.
Constructing a retirement portfolio is viewed as a difficult endeavor, and the demands facing financial advisors responsible for this task continue to grow. The pressures are particularly intense due to events such as the financial crisis and oncoming rush of retiring baby boomers. It is imperative that financial advisors be equipped and ready to create appropriate retirement portfolios. That's why Michael Zwecher-a leading expert on retirement income-has created Retirement Portfolios.
- Examines how portfolios should be prepped in advance so that the transition from "working" portfolio to retirement portfolio is smooth and seamless
- Outlines how to create a portfolio that will provide income, continue to generate growth, and protect assets from disaster
- Details the differences in managing a retirement portfolio versus managing portfolios during asset accumulation years
The ability to create retirement portfolios and manage their risks are skills you must possess to be an effective financial advisor. Retirement Portfolios will help you develop these essential skills and gain a better understanding of the entire process.
- Sales Rank: #182338 in Books
- Published on: 2010-01-26
- Original language: English
- Number of items: 1
- Dimensions: 9.30" h x 1.02" w x 6.30" l, 1.05 pounds
- Binding: Hardcover
- 281 pages
Review
'A very practical and well argued philosophy for retirement funding that will make sense to practitioners.' (Journal of Pensions, Economics and Finance, July 2011).
From the Inside Flap
Retirement is one of the most important parts of the financial planning process. Yet only a small percentage of financial advisors describe themselves as competent when it comes to creating portfolios designed to meet retirement needs.
Constructing a retirement portfolio is viewed as a difficult endeavor, and the demands facing financial advisors responsible for this task continue to grow. The pressures are particularly intense due to events such as the financial crisis and oncoming rush of retiring baby boomers. It's imperative that financial advisors be equipped and ready to create appropriate retirement portfolios. That's why Michael Zwecher—a leading expert on retirement income—has created Retirement Portfolios as well as the companion Retirement Portfolios Workbook.
In Retirement Portfolios, Zwecher provides you with complete coverage of the most important issues in this field. Page by page, he shows you what it takes to protect your client's retirement and aspirations. Divided into four comprehensive parts, this reliable resource:
-
Examines how portfolios should be prepped in advance so that the transition from "working" portfolio to retirement portfolio is smooth and seamless
-
Outlines how to create a portfolio that will provide income, continue to generate growth, and protect assets from disaster
-
Details the differences in managing a retirement portfolio versus managing portfolios during asset-accumulation years
-
Discusses how to maximize the usefulness of retirement portfolios in your business—whether it's transaction-based or fee-based, institutional or retail
The ability to create retirement portfolios and manage their risks are skills you must possess to be an effective financial advisor. Retirement Portfolios will help you develop these essential skills and gain a better understanding of the entire process.
From the Back Cover
"Mike Zwecher's new book expands on an important approach to building retirement portfolios that is being integrated into RIIA's Retirement Management Analyst (RMA) curriculum. Retirement Portfolios is an important book that you can use here and now. It is required reading and an important piece of the RMA curriculum." —François Gadenne, Chairman and Executive Director, Retirement Income Industry Association (RIIA)
"The approach to successfully managing assets for retirees and near retirees is a much different endeavor than the traditional approach used for wealth accumulation purposes. Mike Zwecher lays out a thoughtful and practical process that all baby boomers and their financial advisers should read." —John Carl, President, Retirement Learning Center
"Retirement planning in the post-2008 world requires a new thinking. It requires new ways of approaching a client's cash flow and balance sheet, new ways of assessing a client's retirement risks, new ways of managing retirement risks, and new ways of building retirement portfolios that produce income and growth, that create a floor and upside. Michael Zwecher's book represents all that and then some. This book not only builds on the existing body of knowledge but expands it in ways that make it a must-read for anyone who holds themselves out to be a credible retirement planner." —Robert Powell, Editor, Retirement Weekly, a service of MarketWatch.com
"Mike offers the financial advisor community and their clients a thoughtful playbook to help them navigate through the retirement process with confidence. Retirement planning is not only about laddered bonds and annuities, but requires a structural foundation similar to Modern Portfolio Theory to support retirement planning and Retirement Portfolios puts us on the right path." —Bruce E. Wolfe, CFA, Chairman, Allianz Retirement Market Committee
Most helpful customer reviews
20 of 20 people found the following review helpful.
Superb!
By Amazon Customer
I am a retired academic. I've read a ton of literature on retirement planning (both concerning accumulation and decumulation) and I am happy to say, speaking as a retiree, that this book is by far among the two best (Jim Otar's book being the other), especially as it addresses the much-ignored topic of transitioning from accumulation to decumulation.
Whether in the accumulation or decumulation phase of retirement planning, get this book and use it to review your investment plan on an annual basis.
1 of 1 people found the following review helpful.
sensible approach to retirement finance by first constructing "flooring"
By J. Klugman
a really useful overview of a sensible approach to retirement finance. uses a model of "flooring"- i.e. secure funding for basic needs via a bond ladder and/or annuities. the discussion of flooring [as opposed to "buckets" or other models of portfolio] is the biggest and most important part of the book. if you have the resources, of course, you can build a superstructure on top of your floor. i'm not there yet myself, but for now my plan is flooring with social security and fixed annuities [escalating annuities are overpriced imo], along with other portfolio investments to protect from inflation.
update 5/16- this book definitely influenced my decision to buy some single premium fixed immediate annuities to combine with social security as my "flooring." [i still think escalating and indexed annuities are overpriced. find some quotes and use an online calculator to see how long it takes for escalating payouts to do you any good, and how much more it would cost to get the kind of payouts available from straight fixed annuities. then, too, heavy fees are a problem with more complicated annuities than the kind i bought.]
i am managing the rest of my retirement funds with inflation protection in mind, as the real purchasing power of the fixed annuities will decline with time. the fixed annuity pays out a far higher percentage [6%] than i could ever safely draw from a self managed portfolio which would not benefit from mortality credits. this is especially true in our current environment of high pe's in equities and historically low interest rates. in this environment people don't talk about a "4% rule," they talk about a "2-3% rule."
you do not have to get caught in the false insurance VERSUS investment conflict. you can use insurance products like annuities AND investments to get the benefits of both. anyway, i recommend this book if you're thinking about how to organize your finances heading into retirement.
2 of 2 people found the following review helpful.
Excellent book
By Gilgamesh
I am just a regular investor. I wanted to study more about setting up a retirement income stream and to build a safety floor for that income. This book answered all of my questions. Highly recommend it. It's an easy read for anyone with some basic skills.
Edit: Now that I've had time to soak everything I've learned, all the books I read helped me, but this book at the end helped me to put it all together and was the most influential in figuring out my retirement withdrawal setup.
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