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A blog about living in and planning for retirement

Welcome to Encore


Some 10,000 baby boomers turn 65 every single day. No wonder we here at SmartMoney have noticed the seemingly endless appetite for all manner of retirement stories, from planning advice to travel tips to income strategies to health care plans.

This thirst for information isn’t just about celebrating a monumental birthday. Today’s retirement landscape looks vastly different than it did for our parents. We’re living longer, which means we’ve got to save more and plan better. At the same time, our net worth isn’t what it once was:  During the recession, more than two in three Americans watched their net worth decline, suffering a median drop of 18%, according to a 2011 report by the Federal Reserve.

What’s more, the old rules aren’t such a helpful guide any more. With investment returns near record lows in many categories, saving a once-reasonable 70% of your pre-retirement income to fund your retirement may not cut it. Meanwhile, we also want to live differently than our parents. While they may have been content with days on the links or by the pool, most baby boomers now say they want a more active retirement (though admittedly, with some golf and beach action sprinkled in), one that may even include at least part-time work.

It all points to the real need for timely, smart coverage of the issues that matter, whether you’re in retirement, or just hoping to get there soon.

Enter Encore, SmartMoney’s new retirement blog about planning for and living well in retirement. There are plenty of great blogs that cover a single aspect of retirement (and we’ve linked to many of them in our blogroll), but Encore takes a more comprehensive approach, covering financial issues, lifestyle topics, true tales from the front lines of retirement, and more. And we’ll do it every single weekday with posts about the latest news, trends and financial advice.

This is no small effort – as we noted, the desire for this information is vast. To create Encore, we gathered award-winning writers from the Wall Street Journal and from SmartMoney. We’re also happy to welcome guest bloggers Alicia Munnell, the director for the Center for Retirement Research at Boston College, and financial planner Michael Kitces, the director of research for Pinnacle Advisory Group and the author of “Tools and Techniques of Retirement Income Planning.”

To help make Encore the most thorough, useful, entertaining retirement resource on the Web, we’d also like to hear from you.  Send us questions, comments and feedback, so that we can help you address all of your retirement challenges and goals.


We welcome thoughtful comments from readers. Please comply with our guidelines. Our blogs do not require the use of your real name.

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About Encore

  • Encore examines the changing nature of retirement, from new rules and guidelines for financial security to the shifting identities and priorities of today’s retirees. The blog also explores news that affects retirement, from the Wall Street Journal Digital Network and around the web. Lead bloggers are reporter Catey Hill and senior editor Jeremy Olshan. Other contributors include The Wall Street Journal’s retirement columnists Glenn Ruffenach and Anne Tergesen; the Director for the Center for Retirement Research at Boston College, Alicia Munnell; and the Director of Research for Pinnacle Advisory Group, Michael Kitces, CFP.