Investing in retirement and pre-retirement
You may have spent years investing for retirement, placing money
into IRAs or been diligent with your 401k investing. Now it's time to harvest
your nest egg and you want to do it the best way. It's not the time to stash
it all into safe investments like money market funds because the earnings will
never keep up with your needs. But there is a productive way to chart a conservative
course for your retirement investing.
On these pages you:
- Learn to construct your portfolio in retirement for comfortable golden
years.
- Learn to allocate your resources between investment classes.
- Learn to invest for retirement that's comfortable and comforting
- Understand what to do differently with 401k investing, IRA investing and
other retirement accounts once you retire
While too many people think that stock market retirement investing is risky, over time and done correctly, it's just the opposite. This is not opinion--this is proven by the Trinity Study over a 70 year period. And without equities, you are more likely to run out of money. But because retirees invest in stocks in the wrong way, they suffer. The correct way is to divide one's money into retirement income baskets and reduce the risk by 95%.
Not more than 50% of most retirement portfolios should be in income investments (see Growth Investing above). By understanding the different categories of income investments, you can conservatively earn double the rate you would earn by simply sticking your funds in bank CDs or treasury bills.
- Bank products
- Money market funds
- Other alternatives
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