Page 190 - Ready Set Retire

Stephen J. Kelley

rolling averages, 92 Single Premium Immediate
Rotating, 91 Annuities, 145
Rule 151A, 136
S&P 500, 46, 71, 81, 82, 93, Social Security, 5, 8, 18, 32,
102, 151, 152, 153, 155, 33, 34, 37, 38, 39, 40, 41,
166, 170 42, 71, 75, 76, 77, 111,
S&P500, 149, 155 118, 133, 141
Safe, 103, 104, 156 spousal benefits, 39
safe-money hybrid
annuities, 133 software programs, 99
safest monetary speculating, 47
instruments available, SPIA, 146
156 spread, 136, 152, 172
safety, 57, 148, 156, 157, spread the risk, 136
159, 170 standard deviation, 71, 81,
SEC, 99, 133, 134, 136,
138, 151 82, 83
SEC Ruling 151-a, 134 state legal reserve pool, 159
secure income, 26 state lotteries, 141
securities, 21, 57, 123, 135, statistical randomness, 97
154 stock brokers, 123, 129
securities license, 21 stock exchanges, 85
security, 47, 57, 137, 145, stock portfolio, 82
146 stockbrokers, 21
self-insure, 137 stocks, 10, 56, 57, 62, 80,
sell signal, 92, 94
sequence of returns, 106 85, 88, 89, 90, 97, 170
Series 6, 23 suitability standard, 22
series 65, 21 suitable advice, 22
Series 7, 23 surrender charges, 124, 131,
Sharpe, William
Sharpe Ratio, 83 148, 165, 166, 167, 169
shifted the risk, and burden Surrender charges, 166, 167
of management, onto surrender periods, 131, 147,
the retiree, 146
signals, 91, 92, 94 148
surrender terms, 124
survivorship benefits, 42
T. Rowe Price, 101
tactical formulas, 93
tactical investing, 89, 90,

93, 95
Target Date Funds, 60

180