full download [pdf]The Impact of Fees on Retirement Investing: Written by a Teacher for Teachers

The Impact of Fees on Retirement Investing: Written by a Teacher
for Teachers

CLICK DOWNLOAD OR GET LINK IN
DESCRIPTION COPY AND DOWNLOAD
Discription:
The information in this book is going to look at three main questions. The first is the impact that
fees have on retirement accounts. How much does a 2% fee cost you over the course of your
working career? As a teacher, I focused mainly on teachers and the fees that are paid within what
I have come to believe to be the worst retirement option in our county which is the 403B account
(in many school districts). The amount of fees that are unnecessarily paid within many 403B
accounts and the restrictions that are placed on these accountsmake me cringe when coupled
with the number of teachers that are currently investing in them. The 457B and the 401K accounts
I have found to be, on aggregate, a little better than the 403B, but can still have enormous fees if
you are not watching closely. Although the focus of my research was on teacher retirement plan
options such as the 403B and the 457B, the information in this book can directly help to educate
anyone that is currently participating in these plans or a 401K. After we look closely at these
retirement plans and what the impact the fees have on your savings, I will show you how to
calculate your actual rate of return that you are getting in your retirement account.Once we have
identified the impact that fees have and what the real rate of return you are getting in your account
is (in real compounded dollar terms), then I am going to show you how to back test your
investments against passive market index funds that my research and a host of other cited
research has shown to outperform actively traded funds approximately 98% of the time.