Reduce your consumer debt as much as possible and consider the pros and cons of paying off your mortgage early. But if you think you'll need to borrow money during retirement, determine whether you want to refinance your mortgage, take out a home-equity loan, apply for a credit card or otherwise take out a loan before you retire. You might have more options for getting a loan when you still have employment income. No matter what loans you have or how old you are, it's important to keep your debts manageable. Consider reducing your stock ownership and increasing your conservative investments. Possible portfolio: 30 to 60 percent in stocks or stock mutual funds and most of the rest in CDs, bonds, bond funds or money market accounts. Your Retirement The rules governing retirement can be complicated. So, about a year before you plan to retire, discuss your situation with a Social Security Administration claims representative. After you decide on a retirement date, apply for your Social Security benefits and other pensions about three months in advance. If you plan to work part-time, find out how this will affect your Social Security income or taxes. Arrange to have your periodic payments, such as Social Security benefits, directly deposited into your checking account. Ask your personnel department or financial advisor about whether to receive your 401(k) money in a lump sum or periodic payments. Reduce your debts as much as possible. Be careful before taking on new debt, such as a home-equity loan or a reverse mortgage. Lean toward conservative, income-producing investments, but don't rule out stocks or stock funds. Possible portfolio: 20 to 40 percent in stock or stock mutual funds and most of the rest in CDs, bonds, bond funds or money market accounts.
10 Tips for Retirement
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A financial analyst securities analyst, research analyst, equity
analyst, or investment analyst is a person who performs financial analysis for external or internal clients
as a core part of the job. Financial analysis (also referred to as financial statement analysis or
accounting analysis or Analysis of finance) refers to an assessment of the viability, stability and
profitability of a business, sub-business or project. It is performed by professionals who prepare reports
using ratios that make use of information taken from financial statements and other reports. These reports
are usually presented to top management as one of their bases in making business decisions. Certification
as a financial analyst requires accredited education in finance Management consulting is the practice of helping organizations to improve their
performance, primarily through the analysis of existing organizational problems and development of plans
for improvement. Organizations may draw upon the services of management consultants for a number of
reasons, including gaining external (and presumably objective) advice and access to the consultants'
specialized expertise. Becoming certified in management consulting requires proper education experience and
credentials. Management accounting or managerial accounting is
concerned with the provisions and use of accounting information to managers within organizations, to
provide them with the basis to make informed business decisions that will allow them to be better equipped
in their management and control functions. Cost accounting is a process of collecting, analyzing,
summarizing and evaluating various alternative courses of action. Its goal is to advise the management on
the most appropriate course of action based on the cost efficiency and capability. Cost accounting provides
the detailed cost information that management needs to control current operations and plan for the future.
Certification in management or cost accounting requires education and expertise in accounting.
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