Do Near-Retirees Now Need To Change Their Plans?

2020-03-14 17_24_08-brown wooden dock near calm body of water surrounded by trees photo – Free PierIt’s a question that could not be more relevant for those planning to retire in the near future than it is right now: Should you delay retirement in light of recent market volatility? The answer offered by the author of today’s article is “You probably should – but that’s not the whole story.” So what is the “whole story” on how much the retirement plans of near-retirees may need to change now? CLICK HERE.

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“Gut Check”: How One Man’s Extremely Bad Luck Is A Wake-Up Call For Retirees

2020-03-09 20_13_00-Window“This is very disconcerting and very bad timing,” says Tracy Donaldson, a newly retired Floridian who had the extremely bad luck of retiring the same week the Dow dropped significantly on coronavirus fears. But while Donaldson’s guaranteed pension and Social Security mean he’ll be fine even in the event of a lengthy downturn, many retirees may find themselves in a much more fragile position – and Donaldson’s bad luck should serve as a wake-up call. For more, CLICK HERE.

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Which Stocks Offer Retirees The Most Reliability?

2020-03-05 22_29_32-Photo Of An Old Woman · Free Stock PhotoWhat are the most reliable stocks for retirees? Today’s article seeks to answer this question by looking at two articles from Kiplinger, one featuring a “group of retirement stocks that includes both pure income plays and growth companies, with a focus on very-long-term performance and durability”, and a second highlighting 20 dividend stocks that “should fund at least 20 years of retirement, if not more. They have paid uninterrupted dividends for more than 20 consecutive years, appear to have secure payouts and have the potential to collectively grow… dividends to protect investors’ purchasing power.” For more, CLICK HERE.

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A Smart – And Little-Known – Spousal Social Security Strategy

2020-03-05 18_21_21-Person Using Black and Gray Laptop Computer Beside White Ceramic Cup on Brown WoWhen it comes to Social Security benefits, the author of today’s article points out an unfortunate reality: “Many retirees are depending on their benefits for a substantial source of income, yet they don’t fully understand how to maximize those monthly checks.” She proceeds to outline a little-known Social Security strategy for couples that, while perhaps not a pleasant one to think about or discuss, can help ensure a more comfortable retirement for you or your spouse. For more, CLICK HERE.

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Asset Allocation Or Security Selection: Which Is More Important For Retirees?

2020-03-03 09_24_58-Deadlock With Key on Hole · Free Stock PhotoWhat is the more important investment decision when it comes to your retirement portfolio: asset allocation (how much to allocate to various asset classes) or security selection (which specific securities to purchase to fulfill your asset allocation)? For many investors – and retirement planners – the answer has long been the latter (security selection), but a new study suggests that retirees may want to reconsider where they expend their time and energy. For more, CLICK HERE.

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Where Are You In The “Getting Rich Quadrant”?

2020-02-24 20_29_36-Brown Leather Bifold Wallet With Banknotes Sticking Out · Free Stock PhotoWhat are your chances of getting rich? That depends to a large extent on where you fall in what the author of today’s article calls the “Getting Rich Quadrant”, which considers the combination of one’s income (high or low) and cost of living (high or low) – and depending on your particular combination, you could be well on your way to self-created riches… or facing a disastrous situation. For more, CLICK HERE.

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Why These Funds Could Be The “New Retirement Income”

2020-02-23 20_04_37-White Textile Beside Lit Candle · Free Stock Photo“With powerful demographic forces keeping interest rates lower for longer, investors (and financial advisors!) need to adjust their thinking for the future,” declares the author of today’s article, who cites a report from Morgan Stanley warning that, over the next 10 years, returns from a traditional 60/40 portfolio will be close to a century low. So what can investors do to get higher yields in this environment? The author recommends a particular type of investment structure offering much higher yields. For more, CLICK HERE.

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Meet The New ‘Bonds’ For Retirement

2020-02-20 23_21_23-Trees in Park · Free Stock PhotoWith longer life expectancies and lower interest rates, among other factors, the traditional 60/40 portfolio “just won’t be able to cut it anymore”, according to some financial experts. Instead, greater allocations to equities will be needed – and dividend stocks will become the new bonds for retirement. One place investors can look for higher yields for their retirement portfolios? Business Development Companies, which are averaging annual yields of nearly 10%. For more, CLICK HERE.

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If All That Matters Is Your Dividends, Consider These 7 Quality, High-Yield Stocks

2020-02-19 20_11_06-White Paper With Note · Free Stock Photo“The only thing that matters to me in the short-term is my dividends,” declares the author of today’s article when it comes to his retirement portfolio. As a result, he only checks the value of his retirement portfolio once a year. Between those yearly reviews, he notes, “I’m collecting an exponentially growing stream of safe dividends that put me closer to my dream of a dividend funded financial independence closer with every weekly buy and limit order that fills.” For seven high-yield stocks he is adding to his retirement portfolio, CLICK HERE.

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