The State Of – And Strategies For – Retirement In America

2019-03-10 14_58_43-1000+ Beautiful Old Age Photos · Pexels · Free Stock Photos“Maybe your retirement plan is on track, but that doesn’t mean you can rest easy. We all exist within a society and an economy. Its problems are ours, too, as we may find out when taxes rise to help pay for others to retire,” warns the author of today’s article. He proceeds to examine the state of retirement in the U.S., including how Social Security is not enough for a secure retirement, the disturbing reality regarding Americans’ retirement savings, the “indexing problem” inherent in retirement accounts, and the “double problem” facing Baby Boomers. For more – including some strategies to help counter these concerns – CLICK HERE.

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Taking Stock Of Your Retirement Income Strategy

2018-05-05 20_39_51-50+ Interesting Planner PhotosYet another research report has found that a majority of baby boomers do not feel prepared for retirement – and today’s article suggests that one critical factor underlying the position that these boomers find themselves in is a lack of investment in stocks, with the author noting that “The ownership of the vast majority of equity returns in the hands of a small percentage of Americans in part explains why so many boomers are not feeling the recovery.” In addition to increasing their stake in stocks, what else can Americans do to boost their sense of retirement security? CLICK HERE.

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ETFs Aren’t Booming Among Boomers. Is That Generation Making A Mistake?

2018-02-18 15_27_43-Free stock photos of age · PexelsExchange-traded funds may have exploded in popularity over the last few years, but that surge in popularity has varied greatly by generation. Today’s article notes that boomers have not embraced ETFs to the extent that millennials – or even the oldest generation of investors – have, with one study finding that only 27% of boomers aged 52 to 70 with $100,000 in investible assets are invested in ETFs. What factors are holding boomers back from investing in ETFs – and why might some of those concerns be ill-conceived? CLICK HERE.

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How This “Retiring Boomer Play” Could Help Fund Your Retirement

2018-01-01 15_31_46-Free stock photo of apartment, architecture, balconyThe author of today’s article calls it “the biggest demographic tidal wave ever to sweep the U.S.”: the retirement of the baby boomers. And within that massive trend is another significant trend that investors can cash in on: the boomer rental wave, as boomers drive demand for rental units. The author proceeds to highlight three real-estate investment trusts “with buildings right where these downsizing boomers want to be” – and which offer the prospect of attractive payout growth going forward. For more, CLICK HERE.

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Robots & Retirement: Assessing The Robo-Advisors

2017-11-19 09_15_19-Man's Face Greyscale Picture · Free Stock PhotoRobo-advisory services are increasingly getting attention from baby boomers looking for retirement guidance. As today’s article notes, robo-advisors now go beyond simply helping clients save for retirement, offering “tax-efficient strategies for turning nest eggs into steady streams of retirement income, as well as recommendations on Social Security, Medicare and long-term-care insurance.” To see what those in or approaching retirement can get out of robo-advisors, the author took robo-advisory products from four major firms for test-drives. For her overall impression of robo-advisory services – and the pros and cons of each firm’s offerings – CLICK HERE.

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The Biggest Risk To Your Retirement May Be You – Here’s How You Can Protect Yourself

2017-09-04 08_57_50-Free stock photo of ball, casino, chanceWhen it comes to assessing risk, the author of today’s article argues that “most people don’t really understand what their true risks are.” He proceeds to identify what he believes is the greatest risk most retirees face – one that is not getting the attention from retired (and retiring) baby boomers that it warrants. The risk in question is associated with longevity – and is an internal risk rather than an external market risk. What is this risk – and how can retirees protect themselves from it? CLICK HERE.

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“Squandered Opportunity”: What Baby Boomers Got Wrong, Leading To A Retirement Crisis

2017-08-13 10_21_36-Free stock photo of adult, affection, babyThat baby boomers face a retirement crisis is a widely accepted fact. But what caused it? It may seem that the answer to this question must be complicated, but the author of today’s article has a relatively simple explanation, stating that “If I had to point to one variable that could explain why so many are so ill-prepared for retirement it would be this.” What is the variable in question – and what lesson can younger generations learn from what the boomers got wrong? CLICK HERE to find out.

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This “In The Shadows” Fund Can Help Retirees Avoid Running Out Of Money

2017-07-18 22_20_17-Free stock photo of black-and-white, chess, darkApproximately 10,000 baby boomers are retiring every day – and many may find that saving for retirement was actually the easy part, while the real challenge will be making sure that their nest eggs last as long as they do. Today’s article highlights one financial tool that may be of assistance to retirees who want to avoid running out of money – retirement income funds (also known as managed payout funds). What are retirement income funds – and what are their advantages and drawbacks compared to annuities? CLICK HERE to find out.

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“Unretirement”, “Healthopias” & Other Personal Finance Predictions For Americans Over 50

2017-06-04 06_43_35-One U.s. Dollar Beside 100 Philippine Pesos · Free Stock PhotoA new “unretirement” life stage. A “cyclical” (rather than linear) lifeline. Much of what we pay for today (including auto insurance) being free. New “healthopia” communities for affluent boomers. These are some of the predictions so-called “futurists” are making in regards to the personal finances of Americans over age 50 over the next five and 10 years – as well as some “Jetsons” forecasts that look even further ahead than that. To read more about these personal finance predictions – including the type of impact investing that is expected to outperform the broader stock market in five years – CLICK HERE.

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Will Baby Boomers’ Retirements Destroy The Stock Market?

2017-05-07 12_52_55-Close-up of Coins on Table · Free Stock PhotoWill they or won’t they…destroy the stock market? One theory making the rounds in the investment world is that, as a result of a combination of a mass movement from stocks to bonds and taking required minimum distributions, baby boomers will be huge stock sellers in the coming years, with devastating implications for the stock market. But how likely is this? While the author of today’s article acknowledges that this scenario could very well play out, he puts forward “some possible reasons why the boomers won’t destroy the stock market in the coming years as they retire en masse.” To read more, CLICK HERE.

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