Achieving alpha in the financial markets is no easy feat. As such, the author of today’s article advocates that, in seeking alpha, “all of us need to look in our backyards, where all our personal financial decisions are waiting to be optimized.” How? He outlines a number of strategies pertaining to Social Security benefits, retirement accounts and taxes which, combined, have the potential to raise a couple’s standard of living by nearly 50%. For more, CLICK HERE.
A disturbingly large number of Americans are underprepared – “massively underprepared”, as the author of today’s article puts it – when it comes to their retirement savings. What can these individuals do about their predicament? The author advises that, while “there is no one-size-fits-all solution for those who are underprepared for retirement…the best approach likely includes some combination of the three strategies outlined here.” For these three strategies for contending with a retirement savings shortfall – including the strategy that “leads to a far better outcome than a doubling of your investment returns” – CLICK HERE.
Among the concerns that weigh the most on retirees and those nearing retirement is health care expenses in retirement. And with various entities coming out with projected health care expense figures for the average couple in retirement – and many of those figures being staggering – it is no wonder. But is this degree of concern warranted? The author of today’s article notes that “it’s important to separate those health care expenses that can be planned and budgeted for, such as premiums, from less planned, out-of-pocket expenses” – and looks at what the health care spending of current retirees actually indicates. For more, CLICK HERE.
The expectation in some circles is that emerging markets will be the only category of equities that will generate a significant return above inflation over the next 7 to 10 years. Given this, retirees may be tempted to allocate a sizable chunk of their portfolio to emerging market equities. Today’s article, however, outlines why retirees may be well-served to reconsider such a move, cautioning that “there are more ways to lose money and make substantial errors investing in emerging markets than there are in developed markets.” For more, CLICK HERE.
“There are factors threatening your plans for lifetime income security,” cautions the author of today’s article, who further observes that, while some of these factors are nothing new, “others are relatively new, or are becoming more significant.” He proceeds to detail the five trends and factors that he sees as the “paramount threats” to the income security of those in – and those approaching – retirement today. What are these threats – and how can you adapt your retirement plan to mitigate their potential impact? CLICK HERE.
When it comes to what retirees typically want in their stocks, today’s article sums it up as “dividend stocks that have high yields, consistent payments, and good outlooks for the future.” The author proceeds to highlight three stocks that seem to fit this bill perfectly: a major oil company (which is positioned to continue to do right by its investors even if the oil market slumps), one of the biggest chemical companies in the U.S. (that you’ve probably never heard of), and a master limited partnership (with a decade-long track record of consistent payout increases). For more, CLICK HERE.
It’s National Retirement Planning Week – and in the spirit thereof (and given the market’s wild ride of late), the author of today’s article advises that “you may…want to set aside some time to see where your retirement plans stands and what the likelihood is that you’ll be able to fund a long and satisfying retirement.” He outlines two steps you can take in that regard – and highlights some free online tools that can aid you in your assessment. For more, CLICK HERE.
Once only an option for the very wealthy, Self-Directed Individual Retirement Accounts (SDIRAs) – where the account holder controls the account’s investments (and those investments can include a wide array of choices beyond just stocks and bonds) – are now entering the mainstream as more people look to alternative assets to help secure their golden years. Could an SDIRA be right for you? Today’s article provides an overview of SDIRAs – including their advantages, their disadvantages – and a critical IRS guideline that any SDIRA holder needs to be aware of. CLICK HERE.
With interest rates ticking up, prospects for higher inflation as a result of economic growth, and the uncertainty that comes with a new face helming the Federal Reserve, how can fixed-income investors go about preparing for this environment and the additional risks it poses? The author of today’s article highlights his favorite idea in that regard – a vehicle which “appears to be well-positioned to minimize the impact of rising yields by keeping a short duration.” For more, CLICK HERE.
Retirees generally want two things from their stocks, note the authors of today’s article: security and income. They further note that “Ideal picks are established companies with wide moats and a long history of dividend hikes.” They proceed to highlight three such stocks that may be particularly solid picks for retirees – including one “rock-solid dividend stock” that may currently offer investors an attractive entry point thanks to a pullback. For more, CLICK HERE.