Taking Stock Of Stock Exposure At Retirement

2019-12-12 21_00_10-person holding green mug photo – Free Coffee Image on UnsplashWhen it comes to how to approach investing in retirement (where retirees face several different kinds of risk, including the risk of running out of money due to insufficient portfolio growth and “sequence of returns” risk), the author of today’s article notes that “you need to balance the risk of too little growth with the risk of too much equity exposure at the wrong time.” So how much stock is the right amount of stock to own in retirement? While there’s no magic number, the author offers some suggestions and strategies to consider. For more, CLICK HERE.

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Tackling The “Nastiest, Hardest Problem In Finance”

2019-12-08 20_14_07-A MacBook with lines of code on its screen on a busy desk photo – Free ComputerWhat’s the “nastiest, hardest problem in finance”? According to Nobel Prize-winning economist William Sharpe, it’s turning retirement savings into retirement spending or, as today’s article puts it, “knowing how to strike a balance between having enough income to meet your current needs (and wants, assuming you’ve saved enough) and having enough to get you through your lifetime.” What insights does Sharpe – who created a computer program that assessed 100,000 retirement-income scenarios – have on how retirees can better tackle this problem? CLICK HERE.

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Take Note Of This Alternative IRA Investment

2019-12-06 08_52_38-black click pen beside notebook photo – Free Grey Image on UnsplashThis alternative investment offers an appealing way to diversify your retirement portfolio – and provides the potential for market-beating returns. The investment in question? Real estate notes – and the author of today’s article explains how investing in real estate notes inside of a self-directed IRA offers particular advantages. For more on investing in real estate notes inside of a self-directed IRA – including some drawbacks to be aware of – CLICK HERE.

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Modest Or Maximal, Catch-Up Contributions Can Make A Big Difference To Your Retirement Balance

2019-12-03 23_33_01-copper-colored coins on in person's hands photo – Free Money Image on UnsplashIf there was a way you could increase your retirement balance by tens of thousands of dollars in a relatively short period of time with small amounts of additional savings, would you do it? Probably. And fortunately, as today’s article outlines, there is a way to do just that: catch-up contributions. To illustrate just how much of a difference even small catch-up contributions can make on retirement balances, the author outlines three scenarios, one with no catch-up contributions, one with modest catch-up contributions and one with maximum catch-up contributions. For more – including what the author sees as the “bonus beauty of catch-up contributions” – CLICK HERE.

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From QCDs To QLACs: What To Do About Unneeded Required Minimum Distributions

2019-12-01 20_47_49-brown-and-white clocks photo – Free Time Image on UnsplashIt may be a nice problem to have as a retiree, but it’s still a problem: what do you do with your required minimum distributions (RMDs) from your retirement accounts – which, as their name indicates, are required – if you don’t need the money for living expenses? Today’s article outlines a number of strategies, from QCDs to QLACs, to make the most of unnecessary (but required) RMDs, or decrease the amount of your RMDs. For more, CLICK HERE.

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