Helping People Retire Younger
RetireYoung.us helps people retire younger.� Retire Young describes an approach to retiring that is proven over hundreds of years of the worst & best times the world has witnessed. Provided are risk-assessment methodologies borrowed from aerospace in order to:
o Understand retirement investments for optimal selection.
o Understand asset allocation and Economic Insurance for optimal retirement asset mix.
o Understand economic behavior so individuals can turn market volatility into a psychological and financial advantage.
o The continual updating of a short book to help investors learn long-term investment methods and share input with other investors.
o See in the book, long-term total-return (price plus dividend) of various investments fully adjusted for inflation:
o 400+ years of real estate performance
o 200+ years of� proxies of the U.S. and World economy performance
o 600+ years of gold and silver performance
o ��40+ years of value/growth proxy performance
o Help young folks get started.
o Special risk-performance research for special needs.
o Specific market condition research.
o Other
Copyright Notice
The data on this web site is being delivered to you AS-IS.� There is no warranty as to its accuracy or use.� Any use of the documentation or information contained herein is at the risk of the user.� The documentation may contain technical or other inaccuracies or typographical errors.� No part of this publication may be copied without the express written permission of Forrest Frantz at www.RetireYoung.US.
About the Author�Forrest Frantz is a Retired Associate Technical Fellow for The Boeing Company & Retired Trust Fund Management Consultant for SeaFirst Bank, Bank of America, and Sound Capital Partners.� Forrest has a Degree in Systems Engineering and a Masters of Business Administration (MBA).� Forrest lives with his wife, Pat, in a small farming community near Parkdale, Oregon.� You can contact Forrest at frantz@hrecn.net.
The Book--Retire Young
Using Einstein, Confucius, Yoda, Alice in Wonderland, the Tortoise, Aerospace Engineering, and even Larry the Cable Guy, the book, Retire Young, can teach you how to set up a reliable investment strategy for retirement.� It tells you why you need to save for retirement and the penalty if you don�t (amazingly over $1,000 per day).� It shares how even minimum wage couples can retire at 55 years of age, buy their dream life, and still have a million-dollar cushion.� Too good to be true?� Read it and you judge.� The book explains why the safe way is the most exciting way to save for retirement.� It is not a �get rich quick� book (the steady tortoise is better than the hare).� You will learn how and why you can spend more by saving more.� It explains how, where, and what you need to do in seven steps to get your retirement savings started.� You�ll be able to get started in a few minutes.
Then when you have time, Part II of this book goes into the details behind critical saving concepts not discussed in other books.� At the end, the author has reviewed over thirty other books on retirement to suggest further reading.
Because each book is updated per the feedback of each reader, the book is available to those willing to promise the following.� First, that the reader reimburse the $30 cost of printing and shipping.� But most important, that they provide feedback on anything and everything:� writing style, understanding, typos, errors, topics of interest not addressed, topics not explained well enough, etc.� If interested in the book, contact Forrest at frantz@hrecn.net.
Understanding Retirement Investments
The book covers the most common investments (homes, investment property, stocks, bonds, and even gold), and tells you how they rate as a retirement investment.� It ends with a summary of the best and explains the following table.
|
Symbols |
10-Yr Reliable Returns |
|
|
|
Large-Cap Value |
|
|
IVE |
500 S&P Large-Cap Value iShares |
6.6% |
|
IWD |
Russell 1000 Large/Mid-Cap Value iShares |
7.1% |
|
FSLVX |
Fidelity Large Cap Value |
3.3% |
|
JKF |
Morningstar Large-Cap Value iShares |
4.2% |
|
VTV |
Vanguard (Large-Cap) Value ETF |
6.0% |
|
VVIAX |
Vanguard (Large-Cap) Value Index� Admiral |
6.0% |
|
VIVAX |
Vanguard (Large-Cap) Value Index Investor |
6.0% |
|
|
Mid-Cap Value |
|
|
IJJ |
400 S&P Mid-Cap Value iShares |
7.1% |
|
IWS |
Russell 800 Mid-Cap Value iShares |
7.9% |
|
FSMVX |
Fidelity Mid Cap Value |
6.1% |
|
JKI |
Morningstar Mid-Cap Value iShares |
7.4% |
|
VMVIX |
Vanguard Mid-Cap Value Index Fund |
6.7% |
|
|
Small-Cap Value |
|
|
IJS |
600 S&P Small-Cap Value iShares |
6.8% |
|
IWN |
Russell 2000 Small-Cap Value iShares |
8.4% |
|
JKL |
Morningstar Small-Cap Value iShares |
7.4% |
|
VBR |
Vanguard Small Cap Value ETF |
6.9% |
|
|
Total Market Index |
|
|
IWV |
Russell 3000 Index (Total Market) iShares |
6.3% |
|
IWW |
Russell 3000 Total Value iShares |
7.3% |
|
IVV |
S&P500 (Large-Cap) |
5.1% |
|
|
Other |
|
|
IJK |
400 S&P Mid-Cap Growth iShares |
3.2% |
|
IJT |
600 S&P Small-Cap Growth iShares |
2.7% |
|
EFV |
MSCI EAFE (Europe, Australia, Far East) Value |
4.8% |
Understand U.S. and World Economic Behavior
The chapter on this topic in the book is meant to completely change your perspective on the investing in the world economy.� Its intent is to bring you peace of mind over the long term so that you can see down turns in world economies for what they are, the adjustment needed for further growth.� So the next time your portfolio goes down in value, you will see it for the rare and short-term opportunity it brings:� being able to buy low, being able to lock in unrealized tax losses to decrease your taxes, being able to switch IRAs to Roth IRAs to greatly increase after-tax wealth, being able to refinance your home, being able to posture your investments for large rebounds, and in general, become wealthier.� You will realize that the world economy never declines.� It just goes up too high most of the time.
Asset Allocation versus Economic Insurance
The chapter on this topic in the book explains Economic Insurance and why it not only protects your portfolio but why it is also free.� It also compares Economic Insurance to Asset Allocation.� It shows why Asset Allocation has the impact of dumbing-down your portfolio.� To prove the point, data is shown comparing Economic Insurance to Asset Allocation for the last four depressions (including the great).
Custom Risk-Performance Research
Some investors have special needs that require specific research.� Please contact Forrest at frantz@hrecn.net if you have specific research requests.
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