The TRUE Path To Dividend Income

2017-08-13 10_26_17-Free stock photo of binocular, country lane, filterFANG stocks are certainly sexy, exciting and have been incredible performers in recent years. However, if your key investment objective is dividend income, the author of today’s article argues that you should be focusing on a different (albeit far less sexy and exciting) acronym: TRUE. While the FANG acronym represents four specific stocks, TRUE represents the four stock sectors that the author sees as “the lifeblood of dividend-equity portfolios”. To read more about the TRUE path to dividend income, CLICK HERE.

Read More

Will Tax Reform Leave Your Retirement Income “Rothified”?

2017-08-13 10_24_12-Rolled 20 U.s Dollar Bill · Free Stock PhotoIn the wake of their failure on health care reform, Republicans in Washington are determined to pass tax reform – and as today’s article notes, “among the tax reform proposals currently being discussed is one that would convert part or all of workers’ tax-deferred 401(k) contributions to Roth 401(k) contributions, which are made after taxes have been removed.” What would this “Rothification” of retirement plans mean in practical terms for middle-income workers now and in retirement? CLICK HERE to read more.

Read More

“Squandered Opportunity”: What Baby Boomers Got Wrong, Leading To A Retirement Crisis

2017-08-13 10_21_36-Free stock photo of adult, affection, babyThat baby boomers face a retirement crisis is a widely accepted fact. But what caused it? It may seem that the answer to this question must be complicated, but the author of today’s article has a relatively simple explanation, stating that “If I had to point to one variable that could explain why so many are so ill-prepared for retirement it would be this.” What is the variable in question – and what lesson can younger generations learn from what the boomers got wrong? CLICK HERE to find out.

Read More

Is Your Retirement Saving On Track? Find Out With These Online Calculators

2017-08-06 17_00_13-Black Calculator · Free Stock PhotoWhen it comes to saving for retirement, the author of today’s article states that “although there are no shortcuts to saving – you just need to get on an automatic program and save as much as possible – there are some quick routes to finding out the right numbers.” Among those “quick routes” are retirement calculators which, while not perfect, can provide a decent assessment as to whether you are on track with your saving. The author proceeds to highlight three online retirement calculators that retirement savers may find particularly useful. To read more, CLICK HERE.

Read More

The Latest Salvo In The Government’s Efforts To Make It Harder To Save For Retirement

2017-08-06 16_56_27-Brown Leather Wallet Using Blue Steel Clap · Free Stock PhotoA significant percentage of Americans are not saving enough (or at all) for retirement – and the U.S. government seems to be doing everything it can to exacerbate this problem. The latest example of this is the Treasury Department’s canceling of the Obama-era myRA program for individuals who did not have access to a 401(k) or other retirement plan at work. What other actions has the government taken this year that could make saving for retirement more difficult – and what are retirement savers to do in the face of this? CLICK HERE to read more.

Read More

Dividing Retirement Accounts “The Tax-Smart Way” In A Divorce

2017-08-06 16_54_00-Man Wearing Blue Jacket Holding a Brown Stick Towards the Heart Drawn on Sand ·Among the myriad of potential issues to contend with in a divorce is the splitting of qualified retirement accounts between you and your ex – a transaction that the author of today’s article cautions, if done without the proper due diligence, can result in a very expensive tax trap: “You can divide up tax-favored retirement account money the tax-smart way or the tax-dumb way.” What does he outline as the tax-smart way to divide up qualified retirement accounts? CLICK HERE to find out.

Read More

Your Prized Pension May Have A Problem

2017-07-29 23_10_15-Gold Coins · Free Stock PhotoWhile traditional pension plans are largely becoming a thing of retirement past, 25% of pre-retirees are still fortunate enough to participate in one – but the author of today’s article warns those individuals not to get too comfortable with their apparent advantage when it comes to funding their golden years, cautioning that “there’s a good chance your pension plan is taking on a questionable investing strategy.” To read more, CLICK HERE.

Read More

This Dividend Aristocrat Pairing Strategy Can Boost Your Income Stream

2017-07-29 23_06_43-Free stock photo of architecture, building, building exteriorWith their (at least) 25 consecutive years of dividend hikes and steady-eddy nature, Dividend Aristocrats are appealing investments for retirees or any other income-focused investor. For those looking for an even greater income stream, the author of today’s article suggests an additional investment which – combined with a Dividend Aristocrat portfolio – “could be a profitable combination for income seekers.” To find out what this potentially profitable pairing is – and for some specific fund recommendations for carrying it out – CLICK HERE.

Read More

Affluent Influence: Retirement Planning Lessons From The Wealthy

2017-07-29 23_03_57-Free stock photo of bank, bank notes, batchThere’s no question that the wealthy have a major advantage when it comes to retirement – but that doesn’t mean that the less affluent can’t learn a thing or two (or three) from the rich about how to achieve a financially secure – and overall fulfilling – retirement. Today’s article looks at some retirement planning lessons that can be gleaned from the findings of a new UBS Wealth Management Americas survey of wealthy investors – lessons that can benefit pre-retirees of all income levels. To read more, CLICK HERE.

Read More

Fake News (Retirement Edition)

2017-07-23 19_56_50-Free stock photo of can, chat, chattingYou need $1 million to retire. Make that $2 million. Social Security will not be solvent much longer. Your expenses will go down in retirement. These are some of the prevalent retirement rumors the author of today’s article highlights that can have a detrimental effect on the retirement planning of those who subscribe to them. To read more – including why the worst retirement rumor may be “Everything will work out fine” – CLICK HERE.

Read More