By Raymond J. Lucia

A confirmed approach to financially arrange for retirementAre you thinking about in the event you could make your retirement reductions last?Concerned approximately inflation decreasing your deciding to buy power?Worried in regards to the inventory market's violent swings?In Buckets of cash: easy methods to Retire in convenience and security, nationally well-known qualified monetary PlannerTM and radio character Ray Lucia provide you with a sensible and conservative technique to defend and develop your nest egg-so you could get pleasure from a snug retirement with out caring approximately your funds operating out.Developed by way of Lucia over his thirty-year profession as a monetary planner, the "Buckets of cash" procedure is a confirmed technique to in achieving either source of revenue and progress, whereas guarding opposed to the ravages of inflation. Buckets of cash is stuffed with in-depth insights and useful recommendation that can assist you determine your retirement scenario, keep the money you must final all your lifetime, and regulate your plan to strong instances and bad.Regardless of your age, source of revenue, internet worthy, or funding event, you want to have an effective plan to your retirement years. Buckets of cash provide you with this sort of plan, and exhibits you easy methods to enforce it.

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1 percent. (Why are we even buying all these magazines that purport to tell us who the best fund managers are? Beats me. 2 percent over 10 years. But if you had begun each year investing with the worst manager of the previous 12 months, your account would have gone up 220 percent over the same period! Even so, both would have earned less than the S&P 500 Index, which climbed 308 percent during that time. Thus, I conclude . . LUCIA’S LAW 6 Trying to pick the best mutual fund is an exercise in futility.

Qxd 12/15/03 5:28 PM Page 16 16 INTRODUCING THE BUCKETS mutual funds. But, according to one study, the reality is this: If you pick a manager or a fund that finished in the bottom fourth of all funds, you have a 50 percent chance of finishing above the median five years later. And if you pick a top-quartile manager or fund, you have a 48 percent chance of finishing above that same median. So, in short, it seems to me that whether you pick the top fund or the worst, your chances of doing well over time are about the same.

Beats me. 2 percent over 10 years. But if you had begun each year investing with the worst manager of the previous 12 months, your account would have gone up 220 percent over the same period! Even so, both would have earned less than the S&P 500 Index, which climbed 308 percent during that time. Thus, I conclude . . LUCIA’S LAW 6 Trying to pick the best mutual fund is an exercise in futility. qxd 12/15/03 5:28 PM Page 16 16 INTRODUCING THE BUCKETS mutual funds. But, according to one study, the reality is this: If you pick a manager or a fund that finished in the bottom fourth of all funds, you have a 50 percent chance of finishing above the median five years later.

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