(MONEY Magazine) – Contents 6 The Six New Rules for Retirement by Ruth Simon Follow them to future financial security. -- Profiles: Starting out (page 8), two-career couple (11), single parent / (12), family with teens (15), near retirement (16)

18 Knowing When You Should Retire by Elizabeth M. MacDonald Leave your job at the right age for a head start on happiness in your later years. -- Quiz, page 20: Are you ready to retire?

22 Adding Up How Much You Will Need by Ellen Stark Before figuring out what you must save, calculate what retirement would cost. -- Worksheet, page 25: Estimating the price -- Worksheet, page 26: How much to save -- Box, page 29: Top retirement software

30 How to Size Up an Early-Out Offer by Lani Luciano When a deal comes your way, don't jump for it until you answer these questions. -- Box, page 33: Working longer pays off

34 The Only Way to Invest for Your Future by Penelope Wang To put your stash on the sure road to growth, align your investments with the model portfolio that suits your age. -- Box, page 41: Best funds for your IRA -- Table, page 43: How tax-deferred savings plans measure up

45 The 100 Best Mutual Funds by Mark Bautz Pick among these top funds to give your retirement money a powerful boost.

50 Making the Most of Variable Annuities by Walter L. Updegrave Here's how to fit these increasingly popular tax-deferred investments into your retirement savings plan. -- Table, page 52: The top 20 annuities -- Table, page 54: The best choices for specific investing aims

58 Mastering the Health-Care Challenge by Lani Luciano These moves can help you come out ahead no matter what reforms get passed in Washington.

62 The 20 Best Places to Retire by Lesley Alderman + MONEY's exclusive rankings of the leading retirement towns in America -- Table, page 69: Comparing the choices -- Box, page 72: The pleasures and pitfalls of retiring abroad

74 Shielding Your Stash From Taxes by Mary L. Sprouse These strategies can keep the tax collector at bay even if your retirement check amounts to $1 million or more. -- Table, page 77: Why rollovers usually win

78 Keep From Outliving Your Money by Denise M. Topolnicki You'll need stocks or stock funds -- and you'll also have to dip into principal.

84 What You Really Owe Your Kids by Marlys J. Harris A kick in the pants? A legacy to see them through to their old age? Here is a spirited discussion of your inheritance obligations.

88 Famous Folks' Legacies to Their Kids by Roberta Kirwan For some, the gift that keeps on giving is a moral foundation, not mere money.

Cover photographs by Stuart Watson

Money Guide to Retirement is a publication of Time Inc. GST R122781974. Principal office: Rockefeller Center, New York, N.Y. 10020-1393. Reginald K. Brack Jr., Chairman; Don Logan, President; Joseph A. Ripp, Treasurer; Harry M. Johnston, Secretary. Second-class postage paid at New York, N.Y. and additional mailing offices. POSTMASTER: Send address changes to Money, P.O. Box 30607, Tampa, Fla. 33630-0607. ) 1994 Time Inc. All rights reserved. Reproduction in whole or in part without permission is prohibited. Money is a registered trademark of Time Inc. Additional copies of Money Guide to Retirement are $4.95 each (or at quantity rates for more than 10 copies) from MONEY Guide to Retirement, P.O. Box 30626, Tampa, Fla. 33630-0626.

For subscription inquiries call MONEY Customer Service at 800-633-9970 or ) write to MONEY, P.O. Box 60001, Tampa Fla. 33660-0001. Back issues of MONEY are available for $3.25 for current year and $5 for prior years (or at quantity rates for more than 10 copies) from MONEY in New York. Up to six tearsheets of individual articles not exceeding 10 pages in length are available at $5.50 each. Write to MONEY Business Office, Back Issue Department, Time & Life Building, Rockefeller Center, New York, N.Y. 10020-1393. MONEY (ISSN 0149-4953) is published monthly, except semimonthly in November, at $35.95 per year, by Time Inc. GST R12278197. Principal office: Rockefeller Center, New York, N.Y. 10020-1393. Reginald K Brack Jr., Chairman; Don Logan, President; Joseph A. Ripp, Treasurer; Harry M. Johnston, Secretary. Second-class postage paid at New York, N.Y. and additional mailing offices. POSTMASTER: Send address changes to MONEY, P.O. Box 30607, Tampa, Fla. 33630-0607. a1993 Time Inc. All rights reserved. Reproduction in whole or in part without permission is prohibited. MONEY is a registered trademark of Time Inc.