As has been noted before, since at least 1965 and the seminal research of Menachem Yaari, economists have recognized that retirees should convert far more of their assets into an income annuity at retirement than they do. Franco Modigliani famously formulated the problem in his Nobel Prize acceptance speech back in 1985: “It is a well-known … Read more
Couples who choose to retire early at 62 rather than waiting until 65 may hope to enjoy a few extra years out of the workforce, but the reality is they could also face more than $50,000 in additional medicals bills, according to a report by Fidelity Investments. That’s because they will have to pay health insurance … Read more
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