Retirement Investing Dilemma
There's a terrible problem in retirement investing that concerns how much risk you should take with your retirement funds. It's a seemingly unsolvable financial conundrum of investing in retirement. Let's take a closer look. On the one hand, you'd like to put all your retirement funds in the bank and keep it safe and secure in FDIC insured accounts. The issue is you will only [...]
Strategic Retirement Investment Options
The hypothetical scenario: ?You?re in your mid-60s and finishing your last year of working. You and your wife both receive Social Security totaled at about $20,000 per year and you have about $500,000 in your IRAs. With your job you?ve been breaking even spending about $45,000 a year. You?re a conservative investor. Question: What retirement investment options do you have [...]
Retirement Investing Myths
Retirement Investing Myth 1- Get out of equities and put your money in the bank Unless you?re rich, this retirement investing strategy won?t work. It?s the rich guy that can afford to be super-conservative. With $5 million, he can put his cash in the bank and earn two percent and have $100,000 yearly income. But if you have $1 million, [...]
Categories: retirement investing Tags: retirement investments, retirement inveting
Retirement Investing - A Simple Program
Retirement investing can look daunting when you read too much and listen to CNBC too often. No matter what trouble we all have in life, it's because we went ahead with action and no plan. Of the 50% of marriages that end in divorce, how many participants had a checklist, went out with at least 10 people, compared and contrasted [...]
Categories: retirement investing Tags: retirement income plan
Retirement Investing Using Buckets
Retirement Investing-The Main Challenge The long time problem of retirement investing has been the need to have a significant amount of money in equities while avoiding a downturn in the equity markets from destroying your retirement nest egg. Once retired, you cannot earn it back again if you lose it in the stock market. Why do you need a significant [...]
Categories: retirement investing Tags: bucket strategy, retirement nest egg
Retirement Advice for Uncertain Times
Maintain a Steady Keel If you are at the outset of your retirement and are counting on your savings for income, you may be a bit disconcerted about the economy and seek some retirement planning advice. A dipping stock market and housing market, rising crude prices, and the government's refusal to make meaningful moves, make fears of another recession real [...]
Categories: retirement investing Tags: retirement advice
Invest for Retirement- The Right Way
You mess up your own retirement investing While it seems that the economy, interest rates or the stock market has much to do with your retirement financial success, your own actions may account for more of your success or lack thereof, then you care to admit. Morningstar, the well known mutual fund research firm, estimates that investors sacrifice a lot [...]
Categories: retirement investing Tags: invest for retirement, retirement investing
Retirement Investing During Deflation
If a recession becomes severe, dollars may suffer from deflation rather than inflation. This would change the rules you have for retirement investing over the past 30 years. What should retirees consider doing if deflation sets in? We?re familiar with the effects of inflation. Our dollars just don?t buy as much as they used to. Too much ?easy money? from [...]
Categories: retirement investing Tags: deflation, retirement investing
