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This book will change the way you think about and invest in your retirement savings plan-forever.
Internationally bestselling author and consumer advocate Dan Solin challenges some basic and misguided assumptions about traditional retirement plans to reveal that:
? 401(k) and 403(b) plans are laden with Porky Pig fees, poor investment choices, and conflicts of interest. You may be better off just saying "No!"
? There is a simple way to make smart choices in these plans- and this book shows you exactly what to do and which funds to avoid.
? There is one investment that could be the key to a successful retirement plan. You can do it yourself, with pre-tax or after-tax money. Create your own, inflation-proof pension plan that is guaranteed to provide you with monthly income for as long as you live, and beyond!
Smart Investing is not complicated. You have the power to make meaningful changes to your retirement savings plan-no matter what your age or financial status.
"If you haven't taken a recent look at what your own retirement investments are doing and-perhaps even more important-how they are put together, reading Solin's smart little book might provide the impetus for action." -Miami Herald
- Sales Rank: #122826 in Books
- Brand: Perigee Trade
- Published on: 2010-07-06
- Released on: 2010-07-06
- Original language: English
- Number of items: 1
- Dimensions: 8.20" h x .59" w x 5.44" l, .49 pounds
- Binding: Paperback
- 240 pages
Features
Review
aThe tax-deferred retirement plan is the single best way to invest for long-term financial well- being. But far too many of these plans have costs and pitfalls that are hazardous to your wealth. Dan Solin's wonderful book explains why the idea is so good, and why so many plans are bad. Read it, attend to its cautions, act on its recommendations, and when the time comes, enjoy a comfortable retirement.a
--John C. Bogle, Founder, The Vanguard Group.
aAlong with airline service, affordable gas, and the Chicago Bulls, your retirement options have also gone to hell in recent years. Solinas book will show you how to plug the leaks in your 401(k) and 403(b) plans, sidestep the minefields in your financial future sown by the investment industry, and get on the road to a secure retirement.a
--William Bernstein, author of "A Splendid Exchange" and "The Four Pillars of Investing"
"Readers of this smart, no-nonsense book will understand why Dan's plain spoken advice makes him one of "The Huffington Post's" most popular business bloggers."
-- Arianna Huffington, Editor-in-Chief and Co-founder of "The Huffington Post,""
aFinally, someone has exposed the failure of our 401(k) system and proposed a solution! Dan Solin has simplified complex investing subjects so that everyone can understand them in one hour. Retirement plans will never be the same after investors read Solin's book.a
--Mark T. Hebner, author of "Index Funds: The 12-Step Program for Active Investors"
aDan Solin has produced a aretirement savingsa masterpiece: all will lament not being taught these lessons at the beginning of lifeas journey! You simply must give a copy of this terrific book to yourchildren and loved ones!a
--Brooks Hamilton, Senior Fellow with the National Center for Policy Analysis and co-author of NCPAas "Reinventing Retirement Income in America,"a
aNowhere are investors treated more shabbily than in their 401(k) and 403(b) retirement plans. Dan Solinas book exposes their hidden costs and poor investment choices. More important, Dan tells us exactly what to do about them.a
--Taylor Larimore, co-author, "The Bogleheadas Guide to Investing"
aDonat read this book! Study it, instead. This is an invaluable checklist, not only for your 401(k) investments, but also for managing any of your other savings.a
--Donald B. Trone, Director, USCG Academy Institute for Leadership and President, Foundation for Fiduciary Studies.
a"The Smartest 401(k) Book You'll Ever Read" is not only smart, but it is clear, concise and provides sage easy-to-take steps that will benefit all investors.a
--Dan Otter, author of "Teach and Retire Rich"
aDan Solinas wonderful book explains why the idea of tax- deferred retirement plans is so good, and why so many plans are so bad. Read it, attend to its cautions, act on its recommendations, and when the time comes, enjoy a comfortable retirement.a
aJohn C. Bogle, Founder," The Vanguard Group"
aSolinas book will show you how to plug the leaks in your 401(k) and 403(b) plans, sidestep the minefields in your financial future sown by the investment industry, and get on the road to a secure retirement.a
aWilliam Bernstein, author of" A Splendid Exchange" and "The Four Pillars of Investing"
aDan Solin has produced a aretirement savingsa masterpiece: all will lament not being taught these lessons at the beginning of lifeas journey!a aBrooks Hamilton, Senior Fellow with the National Center for Policy Analysis and co-author of" NCPAas Reinventing Retirement Income in America"
About the Author
Dan Solin, a wealth advisor to high net worth investors and retirement plans for Buckingham Asset Management and The BAM ALLIANCE Director of Investor Advocacy, is the author of The Smartest Retirement Book You’ll Ever Read, Does Your Broker Owe You Money?, and the New York Times bestsellers The Smartest Investment Book You’ll Ever Read�and The Smartest 401(k) Book You’ll Ever Read. His award-winning books have been widely praised by The New York Times, The Wall Street Journal, The Library Journal, and many financial writers, leading economists, and others.
Solin is one of the most popular financial advice columnists on the�Huffington Post. A frequent guest on national television and radio shows, Solin has addressed professional organizations of accountants, advisors and financial planners and has testified before Congress on investor issues.
Most helpful customer reviews
88 of 91 people found the following review helpful.
Review by an ambivalent reader; website is a marketing trap
By Gadgester
I bought the updated edition (Feb. 2010) from my local Costco store and read the entire book from cover to cover in two hours. (I have a background in investment, but currently unemployed.) I feel rather ambivalent about the author and the book.
On the one hand, I totally agree with his claim that the entire 401(k) system is corrupt, as is the entire investment management industry, and the U.S. government is a willing and active cohort in this scam to rob American employees of their retirement savings. My own 401(k) plans have seen paltry returns over the last 15 years, despite my effort at picking the "best" funds that were available to me. (No, I don't chase past year's performance.) Call me bitter, but from talking to my friends and former coworkers, this seems a commonplace experience, and this book explains why it's the case. The action chapters, esp. in part 3, are also decent, although as another reviewer has said, the entire action plan can be summarized in two sentences: diversify your portfolio, and only invest in low-cost index funds. The author does provide a list of funds to consider, although your plans may not offer them at all (see the "cheat sheet" in chap. 24 of the 2010 edition).
On the other hand, I'm not sure what the author's true motive in writing this book is. Is it really to help us worker bees to save for our (gloomy) retirement? As I was reading the book, I got the feeling that he was writing the book primary to sell the book, kind of doing what the mutual funds he criticizes are doing. For example, he cherry-picks on certain numbers, such as quoting historical returns without mentioning the significant inflationary effect of survivor bias (i.e., only companies that survive get included in calculating market returns).* He compares accumulative returns (using a 40-year horizon -- man, how many readers of this book have that many years to contribute to a 401(k) plan???) between a 2% expense ratio fund and a 0.3 expense ratio fund, but neglects to tell you that the difference is partially tempered by taxation. He does provide a bibliography, which is good, but who knows if he only picked the "research" that he agreed with and omitted anything that contradicts his belief?
The 2010 paperback edition also suffers from certain logic lapses, such as the first chapter about "Wan Ba Shi," as well as typos and grammatical errors.
One warning I should give is, the book's website appears to be mostly a marketing gimmick for his IFA products. I took the 25-question survey. At the end of the survey, I *HAD TO* give them my name, state, home *and* work phone numbers, and e-mail address, in order to see the survey results. The result page itself is titled "Investment policy statement" and contains numerous references to his IFA company and also contains a signature section for me to sign!!! Not a good thing, Mr. Solin, for someone who claims to be impartial and to expose a rigged system.
* He mentions the evil effect of survivorship bias in tabulating active manager returns, but nothing about it when it comes to calculating market returns.
46 of 51 people found the following review helpful.
Financial Freedom Years Earlier
By Allan S. Roth
Dan Solin's book, "The Smartest 401(k) Book You'll Ever Read", is a winner. His thesis is that investing should be simple, and he walks this talk by writing about investing in such a manner as to make it simple, fun, and easy to understand for the reader.
He offers far more than another book about how Wall Street and the insurance industry are ripping us off in our 401(k) and 403(b) retirement accounts. Though Mr. Solin does explain how our hard earned money is siphoned off by the "experts" that provide these plans, he also explains practical easy steps we can take to minimize the impact. These steps include:
* Using an IRA with better options.
* Rolling the 401(K) to the IRA when you leave an employer.
* Picking the "least bad" funds within a poor retirement plan.
* Choosing assets that fit with the rest of our nest egg.
* Joining the investment committee of our employer's plan.
Albert Einstein once said "if you can't explain it simply, you don't understand it well enough." Dan Solin gets it and explains it with brilliant simplicity!
If you want financial independence years earlier, "The Smartest 401(k) Book You'll Ever Read" is for you. It will give you sound and simple advice that's equally simple to implement.
For those who make their fortunes from providing these outrageously expensive plans, you'll hate this book. Read it anyway.
28 of 35 people found the following review helpful.
Needed by Tens of Millions
By K. Johnson
With tens of millions of Americans depending on the 401K, "The Smartest 401K Book You'll Ever Read" can help beginners or those who need to increase their knowledge of their 401K plans. With the 4-O-1 (with or without employer matching), the US worker today is on his/her own to understand, manage, and shift asset allocation as efficiently as possible. The 401 is littered with numerous problems that are a disadvantage to the worker. Part of this is because of the lack of Congressional laws. The investment industry is comprised of leeches that feed off of your investments throughout your 40+ years of work.
Author Dan Solin provides helpful and necessary information for those who are currently in a 401, who will be, and also those who'll be switching jobs. After leaving an employer there are a multitude of options of where to put your 401K money. Solin does note the latent gimmicks and tricks that take your hard-earned money in hidden fees.
Ten of millions of Americans are now relying on Defined Contribution Plans (401Ks) as Defined Benefit Pension plans (Pensions) are now nearly extinct. How much of your 401K will go toward your medical and pharmaceutical drug costs when you're old? Will the old rule of withdrawing 4% of your principle without eating into the principle be enough for you to live off of? Tax-deferred means - deferred - not tax free. Will Congress change the rules on taxes, again and again, as they so often have? What will the average rate of return per annum be? What will the average rate of inflation be? We must make a variety assumptions and calculations.
Solin's advice and info is critical because those with 401Ks are statistically putting all of their eggs into 1 Financial Market Basket. This, is 1 basket contrary to what is often advocated: "diversify." You're in mutual funds with an allocation of stock, bonds, and money markets, and yes you can diversify, but within your limited plan provided to your by your employer and fiduciary. Solin wisely promotes rolling over 401K retirement money in IRAs for more control and more choices. And this, can only be done, when an employee leaves a company. Is the solution to resign from a company - quit your job say, every 5 years, just to roll over your 401K? Obviously, not. (The Roth 401K was enacted in January, 2006.)
In addition to the 401K, non tax-deferred Index Funds provide the freedom of withdraw and movement with out penalty, limitations, age restrictions, and index funds also have low tax rates as there is less churning. In addition to this book by Solin, "The Great 401K Hoax" is worthy of a read. "The Smartest 401K Book You'll Ever Read" is an informative and important book by Dan Solin. Heavily recommended.
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