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The 4% rule suggests that a $1.5 million portfolio will provide for at least 30 years approximately $60,000 a year before taxes for you to live on in retirement. If you take more than this from your nest egg, it may run short; if you take less or your investments earn more, it may provide somewhat more income.

Assuming that's how much you'd spend in retirement, you could live for about 37 years on $53,600 per year with a nest egg of $2 million (assuming that $2 million is earning 0% and not factoring in Social Security). If that holds true for you, you could retire at 63, and live on $53,600 each year until you turned 100.

You can apply for retirement benefits up to 4 months before you want to start receiving your benefits. Even if you are not ready to retire, you still should sign up for Medicare 3 months before your 65th birthday.

Now, the eight-times rule of thumb is based on a retirement age of 65. Either way, though, this would make $5 million a very comfortable retirement nest egg for most households.

Sign in to Retirement Online. Click the ?Upload a Member Document? link on the Employer Account Homepage. Follow the steps to upload your saved version of the RS6221 form, specify the member's NYSLRS ID or registration number, and click ?Submit.?

If you're looking for a single number to be your retirement nest egg goal, there are guidelines to help you set one. Some advisors recommend saving 12 times your annual salary. 12 Under this rule, a 66-year-old $100,000 per year earner would need $1.2 million at retirement.

All UPS employees retiring after December 31, 2007 need to file a pension application with, and direct all questions to, the UPS/IBT Plan. Contact them by phone at 1-800-643-4442, by email at retirement@ups.com, or at the mailing address below.