A Comprehensive Guide For Turning Your Early Retirement Dream Into Reality

2017-03-25 14_35_47-2 People Sitting With View of Yellow Flowers during Daytime · Free Stock PhotoAccording to a recent report from the Employee Benefit Research Institute, almost half of retirees end up leaving the workforce earlier than they had planned – and while this is often involuntary (the result of a layoff or illness), in a third of cases individuals make an early exit by choice, having achieved financial independence. Achieving early retirement is not easy, though – which is why today’s article outlines 12 key moves to make over the course of your career to increase the chances of making your early retirement dream a reality. To read more, CLICK HERE.

“Cost Matters”: Are These Low Expense Ratio Funds The Best For Your Retirement Accounts?

2017-03-25 14_33_40-Free stock photo of account, atm, bankIn this case a race to the bottom is a good thing: In an effort to attract new customers and increase market share in an extremely competitive business, mutual fund companies are battling it out for who can offer the lowest-cost ETF – and the resultant rock-bottom fees are great news for retirement savers. The author of today’s article highlights some of the cheapest funds available and provides advice on how to use them effectively in a portfolio. To read more, CLICK HERE.

Million Or Myth: Do You Really Need $1 Million To Retire?

2017-03-19 07_01_33-Brown and White Papers Near Black Pen on White Table · Free Stock PhotoThe oft-cited figure for how much you need to build up in your nest egg in order to retire comfortably is $1 million – with some experts advocating a $2 million target! However, the author of today’s article believes that, “while that theory might seem reasonable on paper, in practice, it leaves a lot to be desired” – and he argues that a nest egg half that size – $500,000 – is a more appropriate target. What’s his rationale – and is a comfortable retirement possible on even less than that amount? CLICK HERE to read more.

Lessons Learned – And Mistakes Made – By An Early Retiree

2017-03-19 07_18_30-Three Gold Bars Against Dark Background · Free Stock Photo“It doesn’t take brilliant investing to retire early as I did,” states the author of today’s article, a former software engineer who retired at age 50 despite making a number of investing blunders over the years – some of which involved tens of thousands of dollars. For his reflections on how he got to early retirement – including the big investing mistakes he made and the two big things he did right – CLICK HERE.

The Retirement Savings-Eating Risk Women Are Underestimating

2017-03-19 06_57_09-Free stock photo of businessman, client, coaching“Women over 50 are likely to enjoy decades in retirement,” notes the author of today’s article. That’s the good news for this group. The bad news? “Few have any idea how much medical expenses will eat into their savings.” Studies show that women aged 50 and over are largely unsure of what their health-care and long-term care costs will be in retirement – and when they do venture a guess there is a stark difference between their estimates and the reality of costs. So what is the reality when it comes to health-care and long-term care costs? CLICK HERE to find out.

How To Retire With (Mental) Buckets Of Money

2017-03-19 06_52_30-Gold Coins · Free Stock PhotoToday’s article has a simple message: You should retire with buckets of money. This seems obvious enough – you want to build as large of a retirement nest egg as possible. The buckets of money referred to in this case, however, are figurative – part of a mental accounting strategy whereby retirement expenses are broken down into “buckets” and then specific retirement income sources are identified to meet the needs of each bucket. To read more about how this bucketing strategy for retirement works, CLICK HERE.

How Retirees Can Maximize Dividend Income Despite Rising Rates And Slowing Dividend Growth

2017-03-11 19_07_10-Free stock photo of arm, desk, handWith high-dividend-yielding stocks feeling the pain as interest rates rise, the author of today’s article argues that, while older investors should not scale back on their dividend holdings, “the challenge is to pick the right dividend stocks and funds” – and the right dividend stocks and funds right now might not be the usual suspects! As such, she proceeds to outline several tips for how income-focused investors can maximize their dividend income despite rising rates and slowing dividend growth. To find out what these tips are – as well as for some specific stock and fund recommendations based on them – CLICK HERE.

Why You May Have To Rethink Retirement Thanks To The Republican Health Care Bill

2017-03-11 19_04_28-Person on Green Boat Fishing on Body of Water · Free Stock PhotoThink you’re financially and emotionally ready to retire? According to today’s article, you may still have to postpone retirement, thanks to the House Republicans’ proposed Obamacare replacement bill – the American Health Care Act – and its provision that would allow insurers to charge older customers five times as much in premiums as younger customers – compared to the three-to-one ratio allowed under the Affordable Care Act. As a result of this change, one analyst cited states that, “for some, retirement might not be an affordable option.” To read more, CLICK HERE.