Financial Markets and Institutions (2-downloads)

http://cgi.money.cnn.com/tools

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Use the retirement calculator listed under “Retirement.”

Have you set aside enough retirement money to last

your lifetime? The earlier you start, the easier it will be.

In general, your retirement funds will come from four

sources:

• Pension plans

• Social Security

• Tax-deferred 

savings

•  Basic (taxable) savings

Use the Retirement Planner to predict the income

from the first two, and to determine how much you

will need to save to make up the balance for your

retirement goals.

2. The Internet offers many calculators to help con-

sumers estimate their needs for various financial 

services. When using these tools, you must remember

that they are usually sponsored by financial 

intermediaries that hope to sell you products. Visit

one such site at