دانلود کتاب Plan your prosperity: The only retirement guide you'll ever need, starting now—whether you're 22, 52 or 82

Best-selling author Ken Fisher releases ninth book focused on retirement planning principles and how to avoid common pitfalls that derail investors.Ken Fisher, four-time New York Times best-selling author, 28-year Forbes columnist and Fisher Investments Founder and CEO, publishes his ninth book, co-authored with Lara Hoffmans: Plan Your Prosperity: The Only Retirement Plan You’ll Ever Need Starting Now—Whether You’re 22,52 or 82 (Wiley/Fisher Investments Press; November 2012; Hardcover and eBook).Think you're too young to start thinking about retirement? Or that "retirement" investing is different from "normal" investing? Think again.Whether you're in retirement, just getting ready to retire now or in 5, 10 or 40 years, this book arms you with information, expert guidance and tools to help you invest smarter your whole life and, yes, plan better for retirement. Bestselling finance author Ken Fisher explains why, for all practical purposes and for most investors, all investing should be done with an eye toward retirement—and beyond.Harmful mythology abounds about retirement investing. Like the adage you should take 100 (or 120) and subtract your age to get your equity allocation and put the rest in bonds or cash. Or you should focus your portfolio on only high-dividend paying stocks. Or buy equity-indexed annuities or some "guaranteed" income product. All are examples of potentially harmful myths many individual investors believe to be smart, strategic moves—myths Ken deftly refutes in Plan Your Prosperity.In their place, Ken provides straightforward principles to help you increase the odds you achieve your long-term investing goals, such as: Thinking correctly about investing time horizon The difference between income and cash flow Assessing your cash flow needs and if your portfolio can provide it Calculating how much to save each year to achieve retirement goals What pitfalls to avoidUnlike other retirement planning books, Plan Your Prosperity supplies you with a firm foundation in sound investment and retirement planning principles. It gives you a framework for better understanding your financial needs, setting your financial goals and creating a workable plan for your lifelong prosperity.