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July 2019

Smart Retirement Location, Location, Location

When it comes to identifying the “best” retirement locations, the author of today’s article acknowledges that “the best place to retire will ultimately depend on the retiree”. Still, there are some key factors relevant to all retirees, including housing costs, tax rates and health care. As such, the author proceeds to highlight what may be nine of the smartest retirement… 

Fundamental Principles For Designing A Dividend Growth Portfolio For Retirement

If you’re an investor that is fortunate enough to have amassed a portfolio capable of producing the income you require to live off of comfortably in retirement, today’s article outlines some fundamental principles to consider when designing a dividend growth portfolio for retirement, with the author advising that “These principles can be utilized to reconstitute a portfolio that has previously… 

“Income, Income and Income”: 6 Retirement-Funding Funds With Market-Doubling Yields

When it comes to generating retirement income, the author of today’s article advises that “Getting yield that’s at least twice SPY’s can make it worthwhile to take on higher costs and other risks” – and he proceeds to highlight several funds for retirement income, recommended by prominent financial advisors, whose yields at least double the yield of the broad market.… 

Doing A Zero-Tax Retirement Right

If you’re one of the many Americans – particularly those in high-tax states – considering moving to a no-tax state like Florida, Nevada or Texas for your retirement, the author of today’s article cautions that successfully carrying out this tax-saving strategy is “not as simple as just buying a property and claiming that you are a resident.” He proceeds to… 

How To Get The Most From Company Stock Upon Retirement

If you accumulate a significant amount of company stock over the course of your career, how can you maximize the value of those concentrated stock holdings when you retire? Noting that “Selling a concentrated stock position can take many years because of tax considerations or restrictions on selling”, the author of today’s article highlights one strategy to consider to generate… 

A Midsummer Financial To-Do List For Retirees

“Because calendars often become more cluttered between September and year-end, midsummer is a good time to take a closer look at your financial life,” advises the author of today’s article, who proceeds to outline a number of financial tasks that retirees may want to tackle now rather than later. First up on this to-do list? Making a preliminary assessment of… 

The Last Refuge For Retirees And Other Conservative Investors?

“If you’re retired or a conservative investor who cannot afford to lose money, your bank certificate of deposits are about to become worthless. Or close to worthless,” declares the author of today’s article as it appears the Fed is gearing up to cut interest rates. So what are fixed-income investors who want to make money on cash without putting that… 

Why Retirees Aren’t Making The “Financially Optimal” Social Security Decision – And Leaving Trillions On The Table

$3.4 trillion. According to a new study, that’s how much retirees have lost, and are losing, by not making the optimal decision when it comes to when to claim Social Security benefits. That’s $111,000 per household! According to the study, “the average Social Security recipient would get 9% more income in retirement by making the ‘financially optimal’ decision about when… 

“Easier Than You Expect”: How An Ordinary Person With A Modest Salary Can Become A 401(k) Millionaire

Thirty-four percent of workers who have calculated how much they need to save for retirement concluded their magic retirement number is $1 million – and the author of today’s article has some encouraging words for those striving to amass $1 million for retirement on modest salaries: “building your nest egg to that size can be easier than you expect…All you… 

Hack Your Retirement Plan With Behavioral Economics

Calling it “a transformative science”, the author of today’s article outlines some of the ways in which “you and your employer and plan sponsors can hack your retirement” using the principles of behavioral economics – including how simply visualizing your future (older) self can help you boost your retirement savings and how, when it comes to 401(k) plans, it’s important…