Investors, shell-shocked by the "Great Recession" of 2008-2009, are looking for answers, for something fresher than the old 'buy-and-hold' mantra. They hunger for stability, yet yearn for growth to rejuvenate their battered portfolios. Ray Lucia's The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life provides just that--a reassuring and scientifically proven strategy that gives investors both growth and income. Lucia, a Certified Financial Planner who's helped thousands of people invest more than $2 billion, explains how to spend down 'safe' buckets (containing, for example, Treasuries, CDs, bonds), while leaving a riskier bucket (real estate, stocks and alternative investments) to grow long-term. This strategy shields investors from the short-term ups and downs of the market. And it gives them the courage and discipline to stay invested no matter what the future holds. Written in a breezy, accessible style and loaded with tons of examples and clear, specific calculations, the book explains how to set your financial goals, divvy up your money accordingly, and then invest intelligently. With this book as your guide, readers will learn how to achieve both income and growth while at the same time reducing risk. "All in all," Lucia writes, "this plan is akin to a sports car that seats six, approximating the best of both worlds. In this case by being a conservative strategy that's also growth-oriented." Almost every kind of investment--stocks, bonds, commodities, real estate--plunged in the past year or two, turning off millions of investors who'd been planning for and counting on a reasonably comfortable retirement. These retirees or near-retirees need solutions ... something fresher than the old 'buy-and-hold' mantra. Yet here's what they hear from the financial-services industry: Set up an asset-allocation model, then take a systematic withdrawal to support your retirement ... remembering, of course, to rebalance the accounts to remain in sync with the model. Wrong! That maximizes the advisors' fees but doesn't protect the investors' assets during the tough times.

The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life

Raymond J. Lucia

wiley

Buckets of Money: How to Retire in Comfort and Safety

In his book, "Buckets of Money®: How to Retire in Comfort and Safety," Ray Lucia, CFP, a longtime financial planner, nationally-syndicated radio show host, TV personality and national speaker, outlines a plan aimed at helping others to prepare for and live a comfortable retirement without worrying about running out of money.  Financial literacy is a life-long process, and in his book, Ray tries to encourage this progression by providing simple and flexible strategies that will foster and serve an individual's needs now and in the future.   In an easy-to-understand and often humorous style, Ray Lucia dissects his "Buckets of Money®" strategy, explaining how to "protect and grow your nest egg, in a smart and conservative manner, with little risk."  Ray emphasizes the provable and scientific aspects of personal finance and through dozens of "Lucia's Laws," exposes fallacies of money management that tend to be generally believed. The book contains real life examples and scenarios that provide readers with an understanding of the "Buckets of Money®" strategy and the framework to begin "Bucketizing" their portfolio.  A self-assessment is included in the book to help readers evaluate their investing style and understand the Buckets strategy, specifically for themselves.  A worksheet allows readers to experiment with different dollar amounts, time periods, rates of return, and inflation so they can estimate and realistically understand what to expect from their portfolio.  Along with the Buckets explanation and worksheets, Ray also:    > Gives tips on how to find the right financial planner for you,    > Outlines steps on how to "bulletproof" your retirement, and    > Expresses thoughts about the true role money plays in our lives

See the best price to sell, buy, or rent books by Raymond J. Lucia. BookScouter helps to compare book prices from 25+ online bookstores and 30+ buyback vendors with a single search.

Books by Raymond J. Lucia

See the best price to sell, buy, or rent books by Raymond J. Lucia. BookScouter helps to compare book prices from 25+ online bookstores and 30+ buyback vendors with a single search.

The Buckets of Money Retirement Solution: The Ultimate Guide to Income for Life

Buckets of Money: How to Retire in Comfort and Safety

Buckets of Money: How to Retire in Comfort and Safety