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January 19, 2018

Not so long ago, you went to school, you worked, and then you retired. But “the lifecycle that most of us grew up with is slowly going away,” said Bruce Wolfe, executive director of the BlackRock Retirement Institute, this week at a conference on financial wellness in New York City. Indeed, it might have been better to call his organization the Retirements Institute, he said, nodding to the fact that many people retire several times over from different jobs and careers.

This dynamic new retirement is exciting, but it also requires more planning than the traditional model. In today’s edition, MONEY contributor Walter Updegrave tells you how to shock-proof your portfolio, so it stands a better chance of supporting you through a long and varied retirement.

Best wishes,


P.S. If you like this newsletter, please pass it on to a friend! And if you got it from a friend, sign up here for email delivery to make sure you don’t miss the next issue.

4 Steps to Make Sure Your Retirement Plan Is Ready for Anything—Even a Market Crash

Know where you stand.

This Is the Best Place to Live in Every State

MONEY finds the sweetest spots.

What Your LinkedIn Profile Should Look Like in 2018

Stop treating it as a Rolodex.


Our next reader question comes from Lori Johnson, 55, of Milford, Conn. “I am considering retiring early. Do you feel you retired too early or too late?” Include how old you were when you retired, and how you feel about the timing of your retirement(s). Please send your answers to me at retirewithmoney@moneymail.com and I will feature select responses in an upcoming newsletter.

Many thanks to all the readers who answered Andrew Pulsifer’s question of whether they feel they’ve saved enough, too much or too little for retirement. Mr. Pulsifer, 55, received all responses that you sent. Here’s a sampling:

Ken Goldstein, 71, of Kaneohe, Hawaii, said a crystal ball would come in handy in answering the question. Since no one knows what will happen in the future with stocks, bonds and inflation—not to mention your own health— it’s hard to say for sure whether your nest egg will go the distance.

Kevin Pollmann, of southwest Ill., recently retired at 55 and feels good about his savings. But that’s only part of the equation. He notes, “ if you spend at a pace that can't be supported by your income/investments, you will run out of money despite how much you saved.”

Bruce Smith, 83, of Hilton Head Island, S.C., says: “My savings plus my business buyout amounted to 15 to 20 times my salary, which turned out to be more than enough. I don't think it was too much, because I was lucky with my timing and stock market performance over the last 20 years. It could have gone the other way.”


U.K. Appoints a Minister for Loneliness

Loneliness can be just as detrimental to health as obesity or smoking, and now Britain has created a new position to help alleviate citizens’ isolation. THE NEW YORK TIMES

Know About the Roth 401(k) Surprise?

Many savers are surprised to learn that employer contributions to Roth 401(k)s are taxed in retirement. SQUARED AWAY BLOG

How to Generate the Income You Need for Retirement

In addition to interest and dividends, consider rebalancing to capture portfolio growth as a source of retirement income. MARKETWATCH

Home Care Agencies Often Wrongly Deny Medicare Help to the Chronically Ill

Patients who meet eligibility criteria do qualify for home health care through Medicare, but they’re routinely turned down. KAISER HEALTH NEWS


Elizabeth O'Brien is a senior writer at MONEY, covering retirement and health care. You can email her at elizabeth.o'brien@moneymail.com and follow her on Twitter at @elizobrien.

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