Why Your Portfolio May Need An Unscheduled Re-Balancing

2020-03-24 21_52_54-Calculator and Pen on Table · Free Stock PhotoWhile many investors re-balance their portfolios back toward strategic benchmarks on a calendar basis, the author of today’s article advises that an unscheduled re-balancing may be in order now as the coronavirus-driven market turbulence of the last several weeks has thrown the composition of portfolios out of whack: “Sharp equity selloffs and government bond yield declines have mechanically turned many portfolios underweight equities and overweight bonds – compared with their broad asset allocation benchmarks.” 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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Rate Of Return: The Retirement Maker (Or Breaker)

2019-10-12 22_42_36-WindowWhen it comes to the ultimate size of your retirement nest egg, the author of today’s article notes that “Calculating future savings requires numerous factors, including current age and predicted retirement age, any current assets, how the portfolio is invested and at what rate a person can realistically expect that money to grow.” And it’s this latter factor – the rate of return – that she proceeds to examine. Given that your assumed rate of return can make or break your retirement plan, just what is realistic? For more, CLICK HERE.

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Protecting Your Wealth From A “Tax The Rich” Government

2019-09-27 20_38_30-White Graphing Paper · Free Stock PhotoElizabeth Warren or Bernie Sanders may or may not become president. And Democrats’ chances of taking complete control of Congress appear slim. Still, the author of today’s article expresses concern that “If the Dems take over, the top federal bracket goes to 50%, the cap on payroll taxes goes away and dividends and capital gains lose their favorable rates. Would the wealth tax start at $50 million? Of course not. Plan on $5 million.” So how can wealthier Americans protect their assets from such a scenario? CLICK HERE.

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Follow The Rich And Fund A “Dividends-Only” Retirement

2018-07-08 06_57_34-Window“If you follow rich people, you’ll notice that they never actually sell any assets – they instead use them to generate more and more cash flow. We can – and should – do the same,” argues the author of today’s article – who proceeds to highlight five dividend paying (and dividend growing) stocks that have meaningful (above 5%) yields today and the prospect for higher yields and price appreciation going forward. For these five stocks, CLICK HERE.

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Floor-and-Upside: A “Safety First” Retirement Strategy

2018-02-10 19_01_44-Free stock photos of safety · PexelsThe retirement financing strategy highlighted in today’s article is sometimes referred to as “safety first” – a notion that may be taking on even greater importance for retirement savers in light of recent market gyrations. The strategy in question is the “floor-and-upside” strategy, where “the basic idea…is that a retiree devotes some of her retirement funding assets to building a lifetime stream of income and the remainder to an investment portfolio to provide liquidity and the possibility of increasing wealth over time.” For more on this strategy, CLICK HERE.

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Safe Withdrawal Rates: Why 2.6 Doesn’t Have To Be The New 4

2017-12-14 20_00_32-Free stock photo of account, atm, bankIs 2.6 the new 4? When it comes to your financial plan’s safe withdrawal rate in the low-return environment that many institutions are forecasting for traditional asset classes going forward, that may be the case. However, rather than just accepting lower withdrawal rates, there may be things investors can do to overcome this situation. Today’s article offers a number of ideas in that regard – “a diversified set of marginal improvements that taken together can compound and have a large impact on investor results.” To read more, CLICK HERE.

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Sustainable Streams: 4 Approaches For Ensuring Your Retirement Income Lasts As Long As You Do

2017-12-07 09_24_32-Silver Round Coins · Free Stock PhotoAccording to the American College of Financial Services, Americans are not particularly knowledgeable about how to preserve their accumulated assets and create sustainable streams of income in retirement. As such, the central question of today’s article is “How do you convert your nest egg into a stream of retirement income that lasts as long as you do?” The author outlines four ways to go about doing so – whether you are willing to hand your money over to someone else, or want to hang on to it yourself. To read more, CLICK HERE.

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A Comprehensive Retirement Planning Guide

2017-06-11 06_56_00-Man Wearing Black and White Stripe Shirt Looking at White Printer Papers on theHow much do you need to save for retirement? In what order should you fund various retirement savings vehicles? What insurance policies will you need in retirement? How can you safely go about drawing down your assets once in retirement? Retirement planning is incredibly complex – which is why the author of today’s article breaks the process down into several questions that need to be answered and provides guidance and further resources for tackling each of them. To read more, CLICK HERE.

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