PDF Kiplinger's Retirement Planning 2017

CONTENTS

27 Super Early Retirement Inside the Financial Freedom, Retire Early (FIRE) movement.

31 Budget for State Taxes Our tax map shows the 10 most friendly and 10 least friendly states for retirees.

34 Strategies for Singles How to plan for a secure retirement on your own.

37 Find Great Advice at the Right Price You don't have to commit a lot of money to find a planner who will put your best interest first.

74

The big picture

8 Ready, Set, Retire What to do when you are 10 years, five years and one year out.

16 Make Sure You're Saving Enough Use our worksheet to see if you're in the ballpark--or if you need to up your game.

20 You Can Retire a Millionaire How much you need to put away each month to reach the magic milestone, whether you've saved a little or a lot.

4 RETIREMENT PLANNING 2019

The right investments

40 Safeguard Your Portfolio With the bull market a mature 10 years old, it makes sense to play defense so your investments don't get mauled when the market turns bearish.

48 Great Funds for Every Season Use the Kiplinger 25, the list of our favorite actively managed funds, to reach your retirement goals. Plus: Key performance data and model portfolios.

52 Aim for the Right Target-Date Fund These all-in-one funds do the heavy lifting of retirement investing. We help you choose one that's right for you.

54 100 Biggest Funds in 401(k) Plans We outline three steps to help you decide which mutual funds are worth owning in your retirement savings account. Plus: Total returns for the 100 biggest 401(k) funds.

retirement income

56 Make Your Money Last How to turn your savings into a stream of

ashley blake

income that lasts as long as you do.

62 Social Security: Now or Later? You can claim reduced benefits at 62, full benefits at 66 or 67, or wait until 70 for an even bigger monthly check. We help you decide when to pull the trigger.

66 On the Menu: Annuities A "free" dinner could come with a pitch for some complicated investments.

a healthy retirement

70Navigating the Medicare Maze Congratulations! You're 65 and qualify for Medicare. But Medicare has many moving parts, and in some cases you could be better off delaying some coverage.

74P aying for Long-Term Care The cost can be daunting, but so is the cost of coverage. Take advantage of ways to slice premiums, or consider other options to cover the cost.

79H ealth Insurance for Early Retirees Used to be, if you didn't have employer health benefits, getting coverage before Medicare kicked in was challenging. The Affordable Care Act changed all that.

living well

82 F ive Awesome Places to Retire These small cities offer a gentle pace, moderate cost of living and lots of amenities--and they are close to highquality health care.

88 A Guide for Snowbirds Before you make good your escape to a warmer clime, make use of our tips to winterize your year-round home while you're gone, handle finances and more.

91 Age-Friendly Remodeling If you're ready to update your house, these suggestions will let you age in place comfortably and stylishly.

96Travel in Style for Less

chris madden

48

RETIREMENT PLANNING 2019 5

CONTENTS



free, trusted retirement planning advice at your fingertips year-round

Retiree Tax Map

Our state-by-state guide helps you choose the right home for you and your nest egg. See how states tax various forms of retirement income, which ones offer property tax breaks for retirees and how states ultimately ding your estate.

links/retireetaxmap

tools

Retirement Savings Calculator Determine how much you need to save each month to meet your goals. k links/

retirementcalculator

Social Security Retirement Age Determine when you're eligible to collect full Social Security benefits. links/age

RMD Calculator Compute your required minimum distributions from a traditional IRA. links/rmd

When Your First RMD Is Due Pinpoint when you must take your first IRA required minimum distribution. links/firstrmd

podcast

Listen to our Your Money's Worth podcast every week for insights on saving for retirement, investing for income, cutting your tax bill, and much more.

links/podcasts

Stay Connected!

Twitter: @KiplingerRetire

F acebook: KiplingersRetirementReport

MORE HELP FOR YOUR RETIREMENT

APRIL 2019, VOL. 8, NO. 4

Investing for Income StrategiestoBoostYour CashYield

InESearch of RespectaWbaenl'dreeinewGntodilllogoinlrosbgebtaaaolsllcmirgBehadotliletndsn.rduifptYields tAe"amnsUennbmtadsetdtiSothtigmtonhnoevanArselwlteeddtvreeoodrilbmpeAe!xpnamoaisiebonsrooifencrtacdieUbir,nmtariifhnrrszliNtondoysanAeanlieuhotxvlofTaeddSctguvoleeltbvoremsoas,ehcoamvdhus.rsAfohxneraittwroertvsrwmina4iu,iiethdalAemsonvetrasgttvnUcde0tet!o%r.grnsteroimvc.t,rebeAo"ahreeimyss.ioWlamafBueu.reSei3BswrvelssUgi-Sclecnnecmienays,linsladle%uttleueetnuaaunnaa.theocohet-.menhatnpieudntahpetSeAttntttteea-avvyveanainiatddeseturrotayrbravre.onotdeieer?-.dnm,niaubesrfitnhtsldseo)nsegGfcdnmisrdrnioylcnseaotnatOe,faCvewunanta$rer.antahmetds0lUde,ontireabnSorenisdtrol9r(cttinaFn'epir.chu-bydtidtoio-ed-Wcgstotts4.noymrudcssoeaeiyasSheroteruBrkrn.abn%cie,naoiiererhplbsnnyegpn.nbarseapE2noieivnnaacttsnvhaarmaadoe,llidnor'l.dsn0.emtsunoeeaveldoevnlrialaaoftisyicIea2dts1Olsgansakrranemegosws"rniGu0mkixlfpt,tr5feardndrtovbetstltnoao1vttroyrbseyoeiebeh9xteeeotvbaeniunwor-reir&fi.elrdrsuarorrai?vvnesoeeaebilmrnanimen,Titaalmttfineatlneduarastda-hntgtawlPsnieiohrtlhtdhayes-nsiriftnwhtesnoabennnieeiaeKhbtiieoyicuodaeoeedtiitbgnaopah"ed'notadrrndrelnttaclsnibr'vhealnunibDeko,es-s2daurgail"botsegm.ite,e%slninetrtr.hulwhrdeWsplioeoItstolr,hAasann-apr"nwamcasy-ikcrclShurmclnhgeisrmoeeaiseesnhoeol-eoytmefgsalAucleemwsdotnfionIeprotetseAernsrthevndisoctorcTrRntecbgsbFswlepTheErhmoiiKAieERfmuKiioeenirtddiotlmiuTnao"eocEssdilusIusiMdWnputolttynhTlInendscnl2nhAToterlnnaimihleidrhei0ssd;ydeen.enesretiad0egesUssissOlTagS.bknsirsR2l,dhRrga30Tas;keietpvt(etaIe5acataunncinEsrce.eaFhecr%0drAlt'aovxlshrtorcslpaoIiccaroEvhuics,e-A1d.nvTr2bfeetani,euiu.?tlsoroneIi5"cov0idensxlnieodo1fbXnguJsnxsaos1faeet1leatee-ee0klonaoutlhmTvi2AtSIesyntyidnnr9r)niar0drssenpTedtde?0aIwepeaaiea1tanr9ngMuebilsa1ief,AtynlWAx1iimsa3ces,ti.d1oerimsn-wesoobwthu9yltberaFe8sfnaltmshocu..ce,ruchc9tHrhoDefabafoeinghuoheSBassertaeproanse%adunolol.nnrteotdosunlae-aB.eemnorsurm',oibet'.etbvPnss.oteaai.nlomthowtFercdnrTlewp-g-atoaW'tamaldahhiaaArttmcyccNisiieeofKnpcntttaisWeptoXerikagsUcfddineaerpriosortiSnsgr-iri?ooeacnontplilsbWhsrweWdynntltltgttiqsuurhAuinartwtsaldu,hsnbiulstoeemReoar-mihioedoeostaktoebiasifmifwnhmieea,3fnn.ianycuroaegtols4idebdasdhir.t,itirpnlse4nwGolgueodoplos5ImalsougnTdkaiAflhrGine,sgecetn,pdrusnefepiirDatvoa.aurasdnst--ceAOi,enngaCmleterlunmnBiesWngolaCbedlyweak2obralV,igtdRtiNshamoadut0us-Mw,'enoJbtcnhovuaahgwsauenrhsdna0e,pattotTsgugmeegiftobeeconarwe,irtf0dnt'ilysetehafnsap.pttolscancrykonisytehu5mhoaoer,oNordotgtampafIoludoi-iheugrbviecrlcnPtebtnrnbnB4J-cehdlmnteenumeietsewidtoshieeem'0aospoae.nsossifterstgyroyaaofYese-iiaS5tpeteelbtamnrnwAenn5cavfinnrlean1baeoosonnearrrrhyCurecocssti?%letgreefflodrddnlvdaontefanici.fawilrpbdkahtoyycrsasuneamdrnniiatf,detots:rhotaweeneovaheiaroppDuhoetntdgdmiyaafdladextetwrihesuiewtndrersvtefsaoariocinpnaee"cs.sFrieeostlekdpdatafeictRneIysMnxfhucwsisqhhoeniAllrhr8pornputppE.lbeaoondasedpoaeeleiueedt.rofliteoednsInWaalXdnonu4oenssenerTida-ogfrseuagrdalUyudrahr,rrgreoilnfellnopctt-hndrintnloee.rfihidMrwreebffo.ressu.nhn'i.iiduemKe'oanauymMro'-n,uggtnirstecroxnsttfgmdifraaopecoht.ulrmaiton'dt,rirniaohmanhsklrct-Ansargcipdihdeeeantoneeeetoo?,aa.sd1.avemac5sanksAongdl-.t,nai"h,m2clddese0k,o61.,a9.7n.y78

3/22/19 12:59 PM

KII_Vol8_No4.indd 1

6 RETIREMENT PLANNING 2019

Boost Your Cash Yield Kiplinger's Investing for Income will show you how to generate steady income with moderate growth and manageable risk, no matter what the market is doing.

go/investing

RETIREMENT REPORT Your Guide to a Richer Retirement

VOLUME 26 | NUMBER 2 | FEBRUARY 2019 | $5.00

IN THIS ISSUE hrheoecioaaawscufw"dnsrBlusrsItayeiddheentdnuunh.stlfaecrdeeeohrSstitegetymerer'anrenhndeiea,roemecnsnkseclpplegntodhss.lticae,til"naptv.Bwawcntieam"ss.hryhegseohstyu"erehAiisraanoalIildefnottd.lnilyur'tncadfesmnk""s,krihigiirpdcDintaigonaNhetticntrwygtthssmt'otiiihtesoaighissdoietocditbpivk,.mntnetrdtonoIua`eheihoH.annue,wrmsptityhajfygnosotionisbt,ic?o--wisi-g'ekion"negrnitrn2rtadgei0Inn6itNM1ad8id9g18rV|1nA11ks|eT2i|ES14re'|nNimAtC5SetVdn|vHAoo|mXtaTs|eiocnIiaGorYEInnrSkaialNsnaoIrSefvtotnNkFdoGbuma:ecluedlrGirlrgiddomennteQtaYwamdgA2hwnaurtO0notMPdeitemniiU,1nsroitea9gcththkuRunnrkriAiTeokianstitFhnaecnnynofihIcitxgstNogBssAoayVrPAi,Aoaucshto2lcnstninNalo0foiesaOtcnoCmw1nnstsnn9-EitelieSinert-egyrd

ARreeaYdoyutRoeRaelltyire? tlweigsvcauhehgLrris6nAepye9ioStpnab-iTlinryionPleYedglg.fsEaylAsAruhth-joRfgiooits,efebclNtfdrrriiwvIennCwfiageKaaltloanseseCrrco,aRkeaeTmfIdifSscneeCeatxigcIhnso.tFn,hetifEponoshcLrgnsTtuierhsshspMetahiiosaOsnpsirpRoveheoEen--fdefos.TapthrfHHlmoati4Ahsreye6N.iirannnCeyRltgftseErsoioaiAroirsrenDefmcsfmYnti,o,havteTwthiiTOnissoehrtimoneobnaoy-erdt- roetdCiftwcrariwEpaeHrreucinaermtvtihnohes?aieyretwhe"plsnFeilonntanyomiauwdtrngyrnaaroceoinypdtttapnuhiyohdronoat'ooournyrmyusbmserte,eepefeenrkaaaoeoenaarnorrlcn-sritksotolal?e.owytlthWlnyetg?hieblalrrTty1ihR61nHyo8eEokuE|aTu|NLdosI'BRotfri&ineoEerlckNlgMeroihtOnetmEioagaWrNevelBtTlemahyaLcae`reSIkVensouOaeIptfNdvf,neieGsyrscru--Aee2cgo5behefvoYrq'epethurauyrerfssipdntoaiaosynen?-s

Retire on Your Terms Whether you're almost there or have a few years to go, Kiplinger's Retirement Report will show you how to retire on your schedule.

go/ retirementreport

JOHN W. TOMAC



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