title: A Beginners Guide to Wealth Building: Defined Contribution Plans Investing For A Secure Tomorrow
author: R. Lamont W. M.B.A.
description: R. Lamont W. is the creator of "My 1st Investment Book", The ABC's of Investments (a coloring book for children and adults). He is a Retired Partner of the Institute For Fiduciary Education (www.ifecorp.com)...where he provided investment seminars for institutional funds, endowments and institutional fund managers28 yrs. with the State of California, finance and budgeting (16 yrs. as an Investment Officer II for the California State Teachers' Retirement System (CalSTRS)as a Portfolio Manager for the CalSTRS Home Loan Program...13 yrs. as a Trustee on Sacramento County Employees Retirement System (SCERS) Retirement Board, 6 yrs as a Trustee for the Cal Aggie Alumni Association and currently a Member of the Chancellors Council on Community &amp; Diversity, University of California, Davis. Educational background: A.A Degree, Merritt CollegeB. A. Degree, Psychology, University of California, DavisM.B.A Degree, Finance with an Investments concentration, Golden Gate University. Taught Fiscal Fitness courses at the University of California, Davis and Essentials of Personal Finance, University of Phoenix, Sacramento Valley Campus.
zlib_text: Contents
  Acknowledgments
  Chapter 1: What? Me? Retire?
  The Imagined Dichotomy
  Two Goals . . . and Some Non-Goals
  Definitions and a Pencil
  Start Immediately. Now. Right Away.
  Plan Your Prosperity
  Chapter 2: My Goals Are . . . What?
  Why Is This So Hard?
  Your Investing Goals, Simply
  Potential Pitfall: Capital Preservation and
  Growth
  Inflation’s Insidious Impact
  Three Percent, Compounded
  Chapter 3: The Secret Code—Asset Allocation or
  Benchmark?
  Benchmark—A Road Map and Measuring Stick
  Picking a Benchmark
  
  The Big Decision—Asset Allocation
  Potential Pitfall: Age Doesn’t Equal Asset
  Allocation
  Benchmark Versus Asset Allocation—What’s
  the Difference?
  Chapter 4: Time Horizon—Longer Than You Think
  Potential Pitfall: Ignoring Opportunity Cost
  Time Horizon—What Is It?
  Time Horizon and Benchmark
  Chapter 5: What’s in a Return?
  Growth Defined
  The Past as a Guide?
  Gordon Moore and Endless Innovation
  Potential Pitfall: Unrealistic Expectations
  Chapter 6: Getting That Cash Flow
  Potential Pitfall—The All