<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: Retirement Plans</title>
	<atom:link href="http://www.ritholtz.com/blog/2008/11/retirement-plans/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/</link>
	<description>Macro Perspective on the Capital Markets, Economy, Geopolitics, Technology, and Digital Media</description>
	<lastBuildDate>Sat, 21 Nov 2009 08:40:44 -0500</lastBuildDate>
	<generator>http://wordpress.org/?v=2.8.5</generator>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
		<item>
		<title>By: Bill in SF</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127582</link>
		<dc:creator>Bill in SF</dc:creator>
		<pubDate>Thu, 20 Nov 2008 18:07:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127582</guid>
		<description>YIKES!  I forgot to have children!

So, that explains all these newly &quot;married&quot; guys running around with kids strapped to their chests.
And I thought they were just using them as fashion accessories.

Who knew they were part of gay retirement planning.</description>
		<content:encoded><![CDATA[<p>YIKES!  I forgot to have children!</p>
<p>So, that explains all these newly &#8220;married&#8221; guys running around with kids strapped to their chests.<br />
And I thought they were just using them as fashion accessories.</p>
<p>Who knew they were part of gay retirement planning.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Jim C</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127466</link>
		<dc:creator>Jim C</dc:creator>
		<pubDate>Thu, 20 Nov 2008 04:04:09 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127466</guid>
		<description>I about 24 years from retirement.  I was 50% foreign equities, 20% Energy, 20% other and 10% fixed income.  As of now, I&#039;m probably down 45%.  Last year was good, but this year definitely gave it all back and then some.  

Luckily, I work for the state and am in the defined benefit pension plan.  As long as they don&#039;t take that away from me, I might get to retire on time.</description>
		<content:encoded><![CDATA[<p>I about 24 years from retirement.  I was 50% foreign equities, 20% Energy, 20% other and 10% fixed income.  As of now, I&#8217;m probably down 45%.  Last year was good, but this year definitely gave it all back and then some.  </p>
<p>Luckily, I work for the state and am in the defined benefit pension plan.  As long as they don&#8217;t take that away from me, I might get to retire on time.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: willid3</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127440</link>
		<dc:creator>willid3</dc:creator>
		<pubDate>Thu, 20 Nov 2008 02:24:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127440</guid>
		<description>well you know retirement has probably always been a crap shoot since we transitioned to 401K. replacing those dependable pensions. if you are lucky, the year you plan to retire might still happen. but it will mostly be the luck of the draw if it happens that year. or 10 years later. or at all.</description>
		<content:encoded><![CDATA[<p>well you know retirement has probably always been a crap shoot since we transitioned to 401K. replacing those dependable pensions. if you are lucky, the year you plan to retire might still happen. but it will mostly be the luck of the draw if it happens that year. or 10 years later. or at all.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Simon</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127434</link>
		<dc:creator>Simon</dc:creator>
		<pubDate>Thu, 20 Nov 2008 02:06:08 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127434</guid>
		<description>Crikey! I thought you guys were older than me. I hope to be pretty much retired at 65 and that&#039;s only 23 years away for me. I mean you need to have invested income you can live on by that time don&#039;t you? Actually I think those of us with 20 years ahead and a bit of capital in the bank and a bit of investing knowledge have few excuses. There will be great opportunities ahead just need to protect the capital you&#039;ve got and keep saving.</description>
		<content:encoded><![CDATA[<p>Crikey! I thought you guys were older than me. I hope to be pretty much retired at 65 and that&#8217;s only 23 years away for me. I mean you need to have invested income you can live on by that time don&#8217;t you? Actually I think those of us with 20 years ahead and a bit of capital in the bank and a bit of investing knowledge have few excuses. There will be great opportunities ahead just need to protect the capital you&#8217;ve got and keep saving.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: KJ Foehr</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127433</link>
		<dc:creator>KJ Foehr</dc:creator>
		<pubDate>Thu, 20 Nov 2008 02:01:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127433</guid>
		<description>VennData Says: 
“This will really make those Republican vs Democrat stock market performance numbers even more skewed.”

Yes, it is almost certain now that W will go down in history as the 21st Century’s Hoover!  What a fitting legacy for a failed presidency that should never have happened in the first place.  

It is well deserved justice because, IMO, this administration has been a disgrace to what once was the greatest nation on earth: the swaggering, the “bring ‘em on”, the arrogance, the lying before Iraq, the “shock and awe” and collateral damage killing of civilians, the “Mission Accomplished”, the 4000 dead and tens of thousands maimed because of those lies, the fear mongering, the dissing of the French and anyone else with the balls to disagree, Karl Rove’s dirty tricks, the budget deficits and the looting of the Federal coffers by the drug companies, the $100s of billions in bailouts, the pain caused by this collapse of the free-market experiment, and on and on.  

Although that is all so very sad, it warms the cockles of my heart to see them humiliated now, while they are still in office.  And to see them hand-off power to a black Democrat and to a nearly filibuster proof Democratic congress, well that is just priceless!  How far the prideful have fallen; how sweet it is to see.

Neo-conservatism, as is the fate of all extreme ideologies, is now relegated to the dustbin of history.

Let the restoration of the USA begin!</description>
		<content:encoded><![CDATA[<p>VennData Says:<br />
“This will really make those Republican vs Democrat stock market performance numbers even more skewed.”</p>
<p>Yes, it is almost certain now that W will go down in history as the 21st Century’s Hoover!  What a fitting legacy for a failed presidency that should never have happened in the first place.  </p>
<p>It is well deserved justice because, IMO, this administration has been a disgrace to what once was the greatest nation on earth: the swaggering, the “bring ‘em on”, the arrogance, the lying before Iraq, the “shock and awe” and collateral damage killing of civilians, the “Mission Accomplished”, the 4000 dead and tens of thousands maimed because of those lies, the fear mongering, the dissing of the French and anyone else with the balls to disagree, Karl Rove’s dirty tricks, the budget deficits and the looting of the Federal coffers by the drug companies, the $100s of billions in bailouts, the pain caused by this collapse of the free-market experiment, and on and on.  </p>
<p>Although that is all so very sad, it warms the cockles of my heart to see them humiliated now, while they are still in office.  And to see them hand-off power to a black Democrat and to a nearly filibuster proof Democratic congress, well that is just priceless!  How far the prideful have fallen; how sweet it is to see.</p>
<p>Neo-conservatism, as is the fate of all extreme ideologies, is now relegated to the dustbin of history.</p>
<p>Let the restoration of the USA begin!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: NiNM</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127430</link>
		<dc:creator>NiNM</dc:creator>
		<pubDate>Thu, 20 Nov 2008 01:55:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127430</guid>
		<description>@ jmborchers

I&#039;m also in TIAA-CREF from my years working at a university. I went mostly into CREF inflation-linked bonds last summer and am now out 5% for the year. But I do have a money market option. What is a shocker (to me) is that of the 10 options available to me, the CREF Real Estate is only down 2% for the year. I also can&#039;t figure out how the CREF Social Choice option &quot;only&quot; lost 27% while the equity index (&amp; other options) are off ~40%.

My husband&#039;s rollover 401K has been beaten down so badly that he&#039;s given up, rolled it over, and essentially uses the account for daytrading.  

We do have another 25-30 years before we retire penniless and move in with our children. ;-)</description>
		<content:encoded><![CDATA[<p>@ jmborchers</p>
<p>I&#8217;m also in TIAA-CREF from my years working at a university. I went mostly into CREF inflation-linked bonds last summer and am now out 5% for the year. But I do have a money market option. What is a shocker (to me) is that of the 10 options available to me, the CREF Real Estate is only down 2% for the year. I also can&#8217;t figure out how the CREF Social Choice option &#8220;only&#8221; lost 27% while the equity index (&amp; other options) are off ~40%.</p>
<p>My husband&#8217;s rollover 401K has been beaten down so badly that he&#8217;s given up, rolled it over, and essentially uses the account for daytrading.  </p>
<p>We do have another 25-30 years before we retire penniless and move in with our children. <img src='http://www.ritholtz.com/blog/wp-includes/images/smilies/icon_wink.gif' alt=';-)' class='wp-smiley' /> </p>
]]></content:encoded>
	</item>
	<item>
		<title>By: VennData</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127423</link>
		<dc:creator>VennData</dc:creator>
		<pubDate>Thu, 20 Nov 2008 01:07:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127423</guid>
		<description>This will really make those Republican vs Democrat stock market performance numbers even more skewed.</description>
		<content:encoded><![CDATA[<p>This will really make those Republican vs Democrat stock market performance numbers even more skewed.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: CNBC Sucks</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127422</link>
		<dc:creator>CNBC Sucks</dc:creator>
		<pubDate>Thu, 20 Nov 2008 01:06:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127422</guid>
		<description>Guys, don&#039;t worry about your retirement.  As a registered Republican, I just love how all these GOP spokespeople keep asking where the Democrats are going to get money for all the programs (energy, health, Social Security) they promised the American people.  There is this GOP clown right now on Hardball proclaiming, &quot;SHOW ME THE MONEY!&quot; as if he were some Mr. Smarty-Pants.  I love the obfuscation.  There is not going to be more borrowing.  There is no whiz-bang rocket science budget wizardry.  We are not talking about the complexity of Einstein&#039;s 1905 papers here.

The Rich People of the United States of America have lived fat and happy for the last 28 years with my political party&#039;s successful assault against the marginal tax rates on the highest tax brackets of our nation.  I have started to recognize the wealthy as that nice national piggy bank that we all have been putting our coins in for 28 years.  There is more money within the wealthy of this country than anywhere else on Earth, worth more than all the oil in Saudi Arabia.  Now, it is time to...crack the bank.  The elites on both sides have been fighting for nearly three decades over this issue, and finally, enough working folk saw through the abortion smokescreen and other GOP manufactured issues designed to divide the proletariat that a LIBERAL was elected...oops...along with a liberal dominated Congress.

The vicious McCain-Palin campaign was not about race or terrorism or Communism, folks.  It was about taxes.  Don&#039;t worry, keep voting against me and my political party, and enjoy our &quot;savings&quot; and look forward to a nice retirement.</description>
		<content:encoded><![CDATA[<p>Guys, don&#8217;t worry about your retirement.  As a registered Republican, I just love how all these GOP spokespeople keep asking where the Democrats are going to get money for all the programs (energy, health, Social Security) they promised the American people.  There is this GOP clown right now on Hardball proclaiming, &#8220;SHOW ME THE MONEY!&#8221; as if he were some Mr. Smarty-Pants.  I love the obfuscation.  There is not going to be more borrowing.  There is no whiz-bang rocket science budget wizardry.  We are not talking about the complexity of Einstein&#8217;s 1905 papers here.</p>
<p>The Rich People of the United States of America have lived fat and happy for the last 28 years with my political party&#8217;s successful assault against the marginal tax rates on the highest tax brackets of our nation.  I have started to recognize the wealthy as that nice national piggy bank that we all have been putting our coins in for 28 years.  There is more money within the wealthy of this country than anywhere else on Earth, worth more than all the oil in Saudi Arabia.  Now, it is time to&#8230;crack the bank.  The elites on both sides have been fighting for nearly three decades over this issue, and finally, enough working folk saw through the abortion smokescreen and other GOP manufactured issues designed to divide the proletariat that a LIBERAL was elected&#8230;oops&#8230;along with a liberal dominated Congress.</p>
<p>The vicious McCain-Palin campaign was not about race or terrorism or Communism, folks.  It was about taxes.  Don&#8217;t worry, keep voting against me and my political party, and enjoy our &#8220;savings&#8221; and look forward to a nice retirement.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: jmborchers</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127416</link>
		<dc:creator>jmborchers</dc:creator>
		<pubDate>Thu, 20 Nov 2008 00:27:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127416</guid>
		<description>Oh, I also had the foresight to go 100% S&amp;P500 after the 9/11 attack where I was about 80/20 stocks to bonds. So overall I&#039;m ahead but I will definately lose a good chunk perhaps.</description>
		<content:encoded><![CDATA[<p>Oh, I also had the foresight to go 100% S&amp;P500 after the 9/11 attack where I was about 80/20 stocks to bonds. So overall I&#8217;m ahead but I will definately lose a good chunk perhaps.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: jmborchers</title>
		<link>http://www.ritholtz.com/blog/2008/11/retirement-plans/comment-page-1/#comment-127415</link>
		<dc:creator>jmborchers</dc:creator>
		<pubDate>Thu, 20 Nov 2008 00:25:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.ritholtz.com/blog/?p=10105#comment-127415</guid>
		<description>Maybe 201 soon but not yet. I had the foresight Nov 07 to go into bonds 100%. I put it back into the S&amp;Ps when it looked like major banks would go under and AAA rated companies were incorrectly rated. That made the 80% AAA/Gov&#039;t bond fund the same risk as the market, at least to me. I&#039;m down around 30% now but have 30 years to go.

We are already missing now 6 or 7 of the S&amp;P500 stocks right? That puts about 1.4% to $0.</description>
		<content:encoded><![CDATA[<p>Maybe 201 soon but not yet. I had the foresight Nov 07 to go into bonds 100%. I put it back into the S&amp;Ps when it looked like major banks would go under and AAA rated companies were incorrectly rated. That made the 80% AAA/Gov&#8217;t bond fund the same risk as the market, at least to me. I&#8217;m down around 30% now but have 30 years to go.</p>
<p>We are already missing now 6 or 7 of the S&amp;P500 stocks right? That puts about 1.4% to $0.</p>
]]></content:encoded>
	</item>
</channel>
</rss>
