Ken Fisher’s 99 Retirement Tips is a widely recognized guide designed to help retirees and those nearing retirement navigate the transition from working to living off their assets. Rather than focusing solely on stock picking, the guide covers a broad spectrum of lifestyle, financial, and psychological adjustments needed for a successful retirement. Core Philosophy: Rethinking Conventional Wisdom
A central theme of the guide is that retirement planning is often more complex than it appears, requiring a shift in how one views liquidity and debt. For example, Tip #26 suggests that paying off a mortgage before retirement might not always be the best move because it can tie up liquidity that might be more useful elsewhere. Key Investment and Financial Strategies
Fisher emphasizes long-term growth and tax efficiency over short-term market timing.
Asset Growth: Don’t let savings wither in cash; instead, use productive investments like stocks and bonds to maintain purchasing power against inflation.
"Homemade Dividends": Instead of relying solely on yield, Fisher often recommends a strategy of strategically withdrawing from principal—a "homemade dividend"—which can be more tax-efficient than earned income.
Annuity Skepticism: Tip #18 explicitly warns to "Beware of annuities," which Fisher often views as restrictive or high-fee products.
Financial Cushion: Tip #99 stresses building a "cushion" into your financial plan to account for unexpected spending or market downturns. Lifestyle and Relocation Tips
The guide moves beyond the numbers to address where and how you will live.
99 Tips to Elevate Your Retirement | Resources - Fisher Investments
Ken Fisher's 99 Retirement Tips guide is a collection of insights designed to help retirees and those planning for retirement navigate the complexities of long-term financial security and lifestyle satisfaction. The guide focuses on moving beyond traditional, often rigid financial advice to offer practical, data-driven strategies. Core Themes and Key Tips
The guide covers a wide range of topics, from investment philosophy to practical lifestyle adjustments. 99 Retirement Tips from Ken Fisher | Resources
Ken Fisher's 99 Retirement Tips is a prominent marketing guide produced by Fisher Investments
designed to provide practical advice while showcasing the firm’s investment philosophy. Fisher Investments Core Themes of the 99 Tips
The guide covers a broad range of topics, from financial strategy to lifestyle adjustments: Investment Strategy Avoid Annuities
: Tip #18 warns that these are often complex and favor the insurance company over the investor. Long-Term Horizon
: Tips #12 and #20 emphasize planning for a much longer life than expected and not using age-based "rules of thumb" for bond allocation. Benchmark Usage
: Tip #16 advises selecting a market index as a "measuring stick" to track progress. Practical Financial Planning Debt Management
: Tip #26 suggests that paying off a mortgage immediately may not be the best use of liquidity.
: Tip #10 stresses defining exactly how much income you need from your portfolio early on. Estate & Family
: Tips #4, #6, and #23 cover having a will, a living will, and involving adult children in financial discussions. Lifestyle Adjustments
: Tips #28 and #29 discuss the pros and cons of downsizing vs. upsizing. Daily Living
: Tip #34 highlights the benefits of one-story living for long-term accessibility. Critical Review: Value vs. Marketing
99 Essential Retirement Tips Guide | PDF | Investing - Scribd 01-Oct-2025 —
99 Retirement Tips from Ken Fisher guide is a popular resource offered by Fisher Investments
that compiles lifestyle and financial advice for current and future retirees Fisher Investments Key Tips from the Guide
The guide covers topics ranging from investment strategy to family communication: Tip #1: Save and Invest
: Don't let savings sit in cash; put them into productive investments like stocks and bonds to grow. Tip #18: Beware of Annuities
: The guide frequently highlights the potential downsides of high-fee annuities. Tip #23: Family Finances
: Be transparent with adult children about your financial situation. Tip #26: Rethink Mortgages
: Evaluate if paying off your mortgage before retirement is truly the best use of your capital. Tip #85: Spending Efficiently
: Learn how to reduce spending without significantly impacting your lifestyle. Tip #99: Financial Cushions
: Build a gap between your forecasted income and spending to account for unexpected costs. Waterset community How to Access the PDF You can obtain the guide directly from the official Fisher Investments website Fisher Investments Request Online
: You typically need to provide contact information and portfolio size (often geared toward those with $500,000 or more in investable assets). Request by Phone
: The firm often lists 1-844-851-3267 as a direct line to request these materials. Alternate Platforms
: A version of the guide is also archived on third-party sites like , such as the "15-Minute Retirement Plan" or their advice on Social Security
I’m unable to provide the full text or a direct PDF of Ken Fisher’s 99 Retirement Tips, as it is a copyrighted publication. However, I can give you a summary of common themes from his retirement advice, based on Fisher Investments’ publicly available materials and Ken Fisher’s known principles.
Typical tips from Ken Fisher on retirement include:
To access the actual PDF legally, you can:
In-Depth Review of "Ken Fisher's 99 Retirement Tips"
As individuals approach retirement, the quest for reliable and actionable advice becomes increasingly important. Ken Fisher, a well-known investment expert and founder of Fisher Investments, offers his insights in the form of "99 Retirement Tips." This compilation is aimed at guiding readers through the complexities of planning for and enjoying a fulfilling retirement. This review provides an analysis of the book, focusing on its content, applicability, and overall value to readers.
Overview of "99 Retirement Tips"
"99 Retirement Tips" by Ken Fisher is designed to be a comprehensive guide for individuals looking to navigate the retirement planning process. The book is structured around 99 actionable tips, each intended to provide readers with practical advice on various aspects of retirement planning, from investment strategies to lifestyle adjustments.
Content and Structure
The book is organized into sections that cover a wide range of topics relevant to retirement planning. These include investment advice, tax planning strategies, healthcare considerations, and lifestyle tips. Fisher's approach is to break down complex financial concepts into accessible and understandable advice, making the book a valuable resource for readers with varying levels of financial knowledge.
Key Takeaways
Investment Strategies: Fisher emphasizes the importance of developing a diversified investment portfolio that aligns with one's retirement goals and risk tolerance. He provides insights into asset allocation, the benefits of a global investment approach, and strategies for managing market volatility.
Retirement Lifestyle Planning: Beyond financial planning, Fisher discusses the importance of planning for the lifestyle one wishes to have in retirement. This includes considerations for health, leisure, personal growth, and maintaining social connections.
Tax Planning: The book offers guidance on minimizing tax liabilities in retirement, including strategies for withdrawals from retirement accounts and optimizing Social Security benefits. ken fisher 99 retirement tips pdf
Healthcare and Insurance: Fisher addresses the critical topic of healthcare planning, providing advice on navigating Medicare, supplemental insurance, and long-term care options.
Applicability and Value
The value of "99 Retirement Tips" lies in its holistic approach to retirement planning. Fisher's expertise provides readers with a broad perspective on preparing for retirement, covering not just financial investments but also lifestyle and healthcare planning. The tips are designed to be practical and actionable, making the book a useful tool for those who are just beginning to plan for retirement as well as those who are closer to achieving their retirement goals.
Criticisms and Limitations
While "99 Retirement Tips" offers a wealth of information, readers should be aware of a few limitations:
General Nature of Advice: Given the format and target audience, some readers may find the tips too general or not specifically tailored to their unique financial situations.
Investment Philosophy: Fisher's investment approach and philosophies may not align with every reader's beliefs or financial goals. It's essential for readers to consider how his advice fits with their own risk tolerance and investment strategy.
Updates and Current Data: As with any financial guide, the relevance of the information can change with new laws, market conditions, and economic shifts. Readers may need to seek out updated information or consult with a financial advisor for the most current advice.
Conclusion
"Ken Fisher's 99 Retirement Tips" is a comprehensive guide that offers valuable insights and practical advice for individuals planning for retirement. By covering a wide range of topics from investment strategies to lifestyle planning, Fisher provides readers with a well-rounded approach to preparing for a fulfilling retirement. While readers should consider their unique circumstances and potentially seek personalized advice, this book serves as an excellent starting point or reference for navigating the complexities of retirement planning.
The 99 Retirement Tips guide is a flagship resource from Ken Fisher’s firm, Fisher Investments, designed to help investors with portfolios of $1 million or more navigate financial and lifestyle decisions. Core Financial Strategies
The guide emphasizes total return over simple income and warns against common "traps" like annuities.
Avoid Annuities: These complicated contracts often favor the company over the investor due to high commissions.
Focus on Total Return: Instead of just chasing dividends or interest, use a "homegrown dividend" approach—selectively selling assets to meet cash flow needs.
Plan for Longevity: Many retirees underestimate their lifespan; planning for at least one spouse to reach age 90 is recommended.
Benchmark Your Success: Use a well-constructed market index as a "measuring stick" to track progress toward your goals.
Inflation Matters: Factor in a long-term inflation rate (historically ~3%) to ensure your purchasing power doesn't wither. Lifestyle & Estate Planning Tips
Beyond investing, the guide covers practical transitions for the "fun" part of retirement.
Mortgage Decisions: Paying off your mortgage early might seem like a relief, but it can significantly reduce your available cash (liquidity).
Relocation Strategy: If moving to a new city, rent first to ensure the location matches your lifestyle before committing to a purchase.
Living Arrangements: Consider one-story living to eliminate stairs as you age, which can also increase a home’s resale value.
Family Financials: Involve adult children in financial discussions early to discover their wishes and prepare them for future transitions.
Estate Fundamentals: Ensure you have a will, a living will, and established trusts to manage the transfer of assets efficiently. Where to Access the Full PDF
Ken Fisher’s "99 Retirement Tips" is a cornerstone resource from Fisher Investments
, designed to move investors beyond basic savings toward a comprehensive lifestyle and legacy plan. The guide emphasizes that retirement success depends as much on behavioral discipline and legal preparation as it does on market returns. Fisher Investments Core Themes & Essential Tips
The 99 tips are generally categorized into three main pillars: financial logistics, investment philosophy, and lifestyle design. Fisher Investments 1. Financial Logistics & Protection Estate Planning Essentials: Establish a living will
immediately. Fisher recommends reviewing these documents every three years, as life changes (births, marriages) often render old plans obsolete. The "Trusted Coach":
Avoid making major financial decisions in a vacuum. Fisher suggests finding a mentor or professional who will tell you "what you need to hear, not what you want to hear". Emergency Infrastructure:
Introduce your team of financial professionals (accountant, lawyer, advisor) to your heirs. Document all contact information in a single page to prevent family stress during a crisis. 2. Investment Philosophy Combating the "Longevity Risk":
Many retirees underestimate their lifespan. Fisher notes that if you are 65 today, there is a high probability that you or your spouse will reach age 90. Inflation & Benchmarking:
Planning for a fixed dollar amount is a mistake because of inflation—$50,000 today will need to be roughly $90,000 in 20 years to maintain purchasing power. The Annuity Warning: One of Fisher’s most famous stances (Tip #18) is to "Beware of Annuities"
. He argues these high-commission products often benefit the salesperson more than the retiree and can lock up needed liquidity. 3. Lifestyle & Behavioral Adjustments Housing Flexibility: one-story living to avoid stairs later in life or in a new area before committing to a purchase. Social Connectivity:
Tips #36 and #37 suggest moving closer to family or choosing a "college town" for its cultural and social opportunities. The Cushion Strategy:
Always build a "cushion" into your financial plan to account for market volatility or unexpected health costs. Waterset community Summary Table: Selected High-Impact Tips Focus Area Core Advice
Don't let savings wither in cash; put them into productive investments.
Explicitly decide how much monthly cash flow you need from your portfolio.
Be aware of your own investor biases, such as buying at peaks and selling at bottoms.
Don't pay off your mortgage as a "knee-jerk" reaction; consider the value of liquidity.
Use retirement to dive deeper into hobbies to stay active and engaged. How to Access the Full Guide The official "99 Retirement Tips from Ken Fisher" is available as a free download from the Fisher Investments Resource Library . Note that the firm typically targets investors with $500,000 to $1 million+ in investable assets for their managed services. Fisher Investments estate planning recommendations
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Title: The Last Checklist: Learning from Ken Fisher’s 99 Retirement Tips
Subtitle: How one man’s quest for a perfect retirement uncovered 99 simple truths—and one big surprise.
Introduction
When retired engineer Robert “Rob” Harding turned 64, he did what any logical person would do: he started a spreadsheet. For six months, he tracked expenses, projected Social Security, and stress‑tested his 401(k). But something felt missing. Numbers, he realized, don’t answer the messy human questions: Will I outlive my money? What if the market crashes the week I retire? Do I really need 80% of my pre‑retirement income?
Then a friend slipped him a worn PDF: 99 Retirement Tips by Ken Fisher.
“Ignore the fluff,” the friend said. “Fisher has been doing this for 40 years. His tips are short, sharp, and contrarian.”
Rob spent a weekend with the list. By Sunday night, he had torn up his spreadsheet and started over. Ken Fisher’s 99 Retirement Tips is a widely
The 3 Tips That Changed Everything
From the 99, three ideas struck Rob hardest:
Tip #11 – “Your spending drops more than you think.”
Rob had faithfully followed the “80% rule.” Fisher argued that for most people, actual spending falls to 60–70% of pre‑retirement income after taxes, savings, and work‑related costs. Rob recalculated. He needed 30% less than he thought. That alone added five years of safety to his portfolio.
Tip #34 – “Don’t fear market volatility – fear inflation.”
Rob’s original plan hid most of his money in bonds and cash. Fisher’s tip pointed out that a 3% inflation rate cuts purchasing power in half in 24 years. To fight that, you need stocks – even in retirement. Rob shifted from 30% equities to 55%, carefully diversified globally.
Tip #78 – “Retire to something, not from something.”
This one wasn’t about money. Fisher warned that retirees who only focus on finances often feel lost. Rob realized he had listed everything he wanted to escape (commuting, meetings, office politics) but nothing he wanted to embrace. He started a small woodworking shop in his garage – not for income, but for purpose.
The One Tip That Almost Got Overlooked
Tip #99 was the shortest: “Review this list every year.”
At first, Rob ignored it. But two years into retirement, after a stock market dip and a health scare, he pulled up the PDF again. To his surprise, many tips that hadn’t applied before now mattered – especially those about healthcare costs, Roth conversions, and when to take Social Security.
Conclusion
Rob didn’t follow all 99 tips. Some were too aggressive for his taste. Others were reminders of common sense he’d forgotten. But the PDF changed his mindset: retirement planning isn’t a one‑time math problem. It’s a living list.
As Fisher reportedly writes (in spirit if not verbatim), “The perfect retirement plan is the one you adjust.”
Today, at 71, Rob keeps a printed copy of the 99 tips on his workshop wall. He’s crossed out six, underlined 20, and added three of his own. And every December, he sits down with a cup of coffee and reads through the whole list again.
Because the best retirement tip isn’t a number. It’s a habit.
Author’s Note:
This story is an original work inspired by common themes in Ken Fisher’s retirement writing. For the full, authoritative list of 99 specific tips, please refer to the official PDF or book, which is copyrighted by Fisher Investments or its publisher.
Report: Ken Fisher's 99 Retirement Tips
Introduction
Ken Fisher, a well-known American investment analyst and founder of Fisher Investments, has shared his expertise on retirement planning through his book and various online resources. His 99 Retirement Tips are a comprehensive guide to help individuals prepare for a secure and enjoyable retirement. This report provides an overview of Ken Fisher's 99 Retirement Tips, which are available in a PDF format.
Background
Ken Fisher is a respected figure in the investment industry, with over 40 years of experience in finance. He has written several bestselling books on investing and retirement, including "The Little Book of Common Sense Investing" and "Plan Your Prosperity." Fisher's investment philosophy focuses on long-term growth, diversification, and evidence-based decision-making.
Overview of 99 Retirement Tips
Ken Fisher's 99 Retirement Tips are a collection of practical and actionable advice on retirement planning, investing, and wealth management. The tips are designed to be concise, easy to understand, and applicable to a wide range of individuals, regardless of their current financial situation or retirement goals. The tips are organized into several categories, including:
Key Takeaways
Some of the most important takeaways from Ken Fisher's 99 Retirement Tips include:
Conclusion
Ken Fisher's 99 Retirement Tips offer a comprehensive guide to retirement planning, investing, and wealth management. By following these tips, individuals can create a secure and enjoyable retirement, free from financial stress and uncertainty. The PDF version of the tips provides a convenient and accessible format for readers to absorb and apply Fisher's expertise.
Recommendations
Based on the content of Ken Fisher's 99 Retirement Tips, we recommend:
Limitations and Criticisms
While Ken Fisher's 99 Retirement Tips are well-researched and informative, some limitations and criticisms include:
Overall, Ken Fisher's 99 Retirement Tips provide a valuable resource for individuals seeking to create a secure and enjoyable retirement. By following these tips and consulting with a financial advisor, readers can make informed decisions and achieve their retirement goals.
"99 Retirement Tips from Ken Fisher" by Fisher Investments is a guide offering actionable advice on financial management, lifestyle, and longevity planning for retirees. The guide covers topics such as investment strategy, tax management, and downsizing, with full versions available through Fisher Investments or via a 22-page document on Scribd. Access the guide at Fisher Investments Resource Library. 99 Retirement Tips from Ken Fisher | Resources
Ken Fisher's guide, 99 Retirement Tips from Ken Fisher , serves as a comprehensive roadmap for high-net-worth investors to navigate the complexities of long-term wealth preservation and lifestyle planning. The Core Strategy: Growth and Discipline
Fisher’s philosophy emphasizes that retirement planning is often about outliving your money, not just saving it.
Invest for Longevity: Tip #12 warns that you will likely live longer than you think, necessitating a portfolio that continues to grow rather than just sitting in cash.
The Power of Stocks: Tip #1 advises moving beyond simple cash savings into productive investments like stocks and bonds to combat inflation.
The "Homemade Dividend": Fisher suggests generating retirement income by strategically withdrawing small portions of investment principal (Tip #10), which can be more tax-efficient than traditional fixed-income products. Key Financial Warnings
The guide identifies common "traps" that can drain a retirement nest egg.
Beware of Annuities: Tip #18 strongly cautions against annuities, noting they often favor the companies that sell them through high commissions and complex contracts.
Mortgage Strategy: Tip #26 suggests that paying off a mortgage as a "knee-jerk reaction" upon retiring might actually be a mistake, as it can sacrifice valuable liquidity.
Inflation Realities: Tip #13 highlights that $50,000 today will need to be roughly $90,000 in 20 years to maintain the same purchasing power, assuming a 3% annual inflation rate. Estate and Lifestyle Planning
Beyond numbers, Fisher stresses the importance of family and personal logistics.
Family Transparency: Tip #23 encourages involving adult children in financial decisions early so they are prepared for eventual asset transfers.
Legal Foundations: Tips #4 and #6 emphasize the absolute necessity of having a current will and a "living will" to dictate medical wishes if you become incapacitated.
Relocation Considerations: The guide suggests exploring new living situations, such as downsizing (Tip #28), moving to a college town (Tip #37), or even living abroad (Tip #33) to stretch retirement dollars. Behavioral Guidance
Fisher refers to the stock market as "The Great Humiliator," warning that emotional decisions often lead to buying high and selling low.
Benchmark Your Success: Tip #16 advises establishing a clear investment benchmark—like a market index—to measure progress objectively rather than emotionally.
Trusted Advisors: Tip #3 recommends establishing a "trusted coach" relationship with a professional who will tell you what you need to hear rather than what you want to hear. Plan for a long retirement – 30+ years is common
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Ken Fisher's guide, 99 Retirement Tips from Ken Fisher , is a free resource provided by Fisher Investments
for high-net-worth investors. You can download the official version directly from the Fisher Investments Resource Library Key Highlights from the Guide
The tips combine investment strategy with practical lifestyle advice from successful retirees: Financial Planning Basics
: Save your money and let it work for you by avoiding excessive cash holdings in favor of productive investments like stocks.
: Calculate your exact cash flow needs for retirement early.
: Account for inflation in your long-term planning, as purchasing power decreases significantly over 20+ years.
: Choose a long-term financial goal to simplify future investment decisions. Investing & Risk Management
: Be cautious of annuities due to their complexity and potential hidden costs.
: Re-evaluate the common advice of paying off your mortgage before retiring; it may not always be the best financial move.
: Consider including foreign assets in your portfolio for diversification. Lifestyle & Estate : Discuss your finances openly with adult children. Tip #28 & #29
: Weigh the pros and cons of both downsizing and upsizing your home based on your specific retirement goals.
: Consider moving closer to family, grandchildren, or friends to improve quality of life.
: Always build a financial cushion into your planning to handle unexpected expenses. Waterset community How to Access the Full PDF Fisher Investments Official Site
: The most reliable way to get the latest edition is to request it through the Fisher Investments Guide Page
. Note that they often require a contact form to be filled out. Alternative Viewing
: You can find older versions or user-uploaded summaries on sites like , though these may not be the most current editions. specific category from the tips, such as tax strategies or estate planning?
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99 Essential Retirement Tips Guide | PDF | Investing - Scribd
Ken Fisher's 99 Retirement Tips: A Comprehensive Guide to a Secure Retirement
Renowned financial expert Ken Fisher has spent decades helping individuals navigate the complexities of retirement planning. In his highly acclaimed book, Fisher shares his expertise through 99 actionable retirement tips, designed to empower readers to achieve a secure and fulfilling post-work life. This write-up provides an overview of Ken Fisher's 99 Retirement Tips, highlighting key takeaways and insights from the PDF guide.
Understanding Ken Fisher's Approach
Ken Fisher, the founder of Fisher Investments, is a well-respected authority on investing and retirement planning. With over 40 years of experience in the financial industry, Fisher has developed a unique approach that emphasizes the importance of creating a personalized retirement plan. His 99 retirement tips are designed to be practical, accessible, and applicable to a wide range of individuals, regardless of their financial situation or goals.
Key Takeaways from Ken Fisher's 99 Retirement Tips
The 99 tips are organized into several categories, including:
Some Notable Tips
Benefits of Ken Fisher's 99 Retirement Tips PDF
The PDF guide offers several benefits, including:
Conclusion
Ken Fisher's 99 Retirement Tips PDF is a valuable resource for anyone looking to create a secure and fulfilling retirement. By following Fisher's expert advice, readers can:
Whether you're just starting to plan for retirement or nearing your retirement date, Ken Fisher's 99 Retirement Tips PDF is an essential guide to help you achieve your goals and enjoy a prosperous retirement.
By The Senior Wealth Desk
For decades, retirees and pre-retirees have faced a common, daunting question: How do I make my money last as long as I do?
In the vast ocean of retirement advice—much of it contradictory, fear-based, or overly complex—few resources have achieved the cult-classic status of Ken Fisher’s “99 Retirement Tips.” This legendary PDF document, often shared quietly among financial forums and advisor networks, distills nearly half a century of market experience into a blunt, actionable checklist.
But what exactly is inside this elusive PDF? Is it worth the digital paper it’s written on? And most importantly, can following these 99 tips actually change your retirement trajectory?
In this article, we will break down the core philosophy behind Fisher’s famous list, summarize the top 20 most impactful tips, explain why a PDF format remains the gold standard for this information, and show you how to access and implement this wisdom today.
Before we dissect the ken fisher 99 retirement tips pdf, we must understand the source.
Ken Fisher is not your average financial talking head. He is the founder and Executive Chairman of Fisher Investments, a multi-billion dollar independent money management firm. With a track record spanning over 50 years, Fisher is known for three distinct traits:
The "99 Retirement Tips" originated as a response to the confusing, often predatory advice given to seniors. Fisher realized that most retirees don't need a 300-page textbook; they need a quick-reference, battle-tested checklist. Hence, the PDF was born. It is designed to be printed, folded, and referenced during moments of market panic or life transition.
Why a PDF? Unlike a blog post or a video, a PDF implies permanence and authority. It feels like a manual. Fisher’s team designed it to be shared freely, understanding that a printed list on a refrigerator has more power than a fleeting social media ad.
You cannot understand the list without understanding three pillars that support every tip.
Fisher is a staunch proponent of global investing. While many American investors suffer from "home bias" (investing only in US stocks), Fisher’s tips frequently highlight the necessity of owning international assets.
No financial document is perfect. As you read the ken fisher 99 retirement tips pdf, keep these pros and cons in mind.
The ken fisher 99 retirement tips pdf is not a holy book. It is a diagnostic tool. Its greatest strength is its simplicity. In a world of algorithmic trading and complex derivatives, Fisher reminds us that retirement planning is still about human behavior: patience, discipline, and the courage to spend what you saved.
For the retiree who is afraid to open their quarterly statement, Tip #52 ("Turn off the financial news") is worth the price of admission (which is zero). For the conservative saver sitting on 5 years of cash, Tip #58 ("Ignore dry powder arguments") could be the wake-up call they need.
Final Verdict: Download the PDF. Read it with a skeptical eye. Take the tips that fit your risk tolerance. Ignore the ones that don’t. But above all, realize that a 99-point checklist is only useful if you take one single action today.
Your action step: Open a new browser tab, search "Fisher Investments 99 Retirement Tips PDF," download it, and highlight your first three red lights.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Always consult with a qualified financial advisor before making changes to your retirement portfolio. Ken Fisher and Fisher Investments are separate entities from the author of this article.