Rising Interest Rates vs. Tax Reform: Will You Lose Money In The End?

2018-03-04 16_11_57-Free stock photos of lose money · PexelsMuch of the market volatility of late has been the result of concerns over inflation creeping up – and the prospect of the Federal Reserve continuing to raise interest rates in response. The author of today’s article looks at what rising rates mean for your money, depending on the positioning of your portfolio in terms of bonds and stocks. Will you lose money as interest rates rise? And what about the new tax law – shouldn’t that help your investments? For more, CLICK HERE.

Read More

Meet (And Beat?) “The Four Horsemen Of The Retirement Apocalypse”

2018-02-25 23_02_11-Life Images · Pexels · Free Stock Photos“Basically, retirees, whether they and their advisors realize it or not, are staring four problems squarely in the face: historically high stock valuations, low bond yields, increased longevity, and increasingly expensive health care,” states the author of today’s article in regards to the four problems that one financial advisor is calling “the four horsemen of the retirement apocalypse.” He proceeds to delve into each of these four issues – and identifies some possible strategies for countering them. For more, CLICK HERE.

Read More

A Portfolio For Aggressive Retirement Savers

2018-01-28 06_52_41-Free stock photo of belt, cash, credit cardToday’s article outlines a mutual fund portfolio for aggressive retirement savers – i.e. investors who are still many years away from retirement (or who are closer to retirement but already have their in-retirement income needs covered). As the author notes, these individuals can “reasonably hold more in potentially more volatile subasset classes, such as small-cap stocks and foreign stocks and bonds… With less concern for short-term portfolio gyrations, they can benefit from the extra diversification and potentially higher returns that these subasset classes can provide.” For more on the Aggressive Retirement Saver portfolio, CLICK HERE.

Read More

“A New Way To Income”: Could Retirees Benefit From This Leveraged ETF?

2018-01-21 18_13_57-Free stock photo of architecture, bridge, brooklyn bridgeLeverage and retirement don’t conventionally go together – but a new exchange-traded fund targeting retirees who require more income than they can get from a typical 60-40 stock-bond portfolio is looking to include a leverage component in an effort to provide investors with superior returns. As today’s article outlines, “this fund takes those vanilla investments, adds a dollop of exposure to racier asset classes that have historically generated higher income, sprinkles in some leverage and, voila, investors get a fund that can support a 7 percent annual distribution rate.” For more, CLICK HERE.

Read More

Balancing Investment Risk And Reward In The Age Of Longevity

2017-09-23 12_49_23-Woman Standing Beside Woman on White Wooden Chair Facing Body of Water · Free StWith the average life expectancy in the U.S. approaching 80 years, the long-advised strategy of shifting away from riskier (but higher-returning) assets like stocks and towards safer (but lower-returning) assets like bonds as you near retirement is not without its own risk: the risk of running out of money. The trick to navigating this risk/reward quandary, according to today’s article, is “balancing investing safely with the need for returns that keep up with, or better yet, beat inflation.” How can those approaching retirement go about accomplishing this? CLICK HERE.

Read More

What Is The Cobra Effect – And Could It Poison Your Retirement?

2017-09-10 10_02_39-Brown Snake · Free Stock PhotoThere is a cobra that could potentially poison your retirement – and that cobra is bonds. The author of today’s article highlights the so-called cobra effect – how “individuals making decisions to cause one outcome to occur can accidentally cause the opposite” – and explains how this phenomenon can occur with retirees and bonds, increasing the probability that they will run out of money as they age. To read more – including how the author believes bonds can be used effectively – CLICK HERE.

Read More

3 “Off-The-Beaten-Track” Bond ETFs For Income Portfolios

2017-08-27 12_57_17-Free stock photo of bank, bank notes, batchForget bland and boring bond funds – the author of today’s article highlights three bond exchange-traded funds that he sees as “off-the-beaten-track [picks] with world-class qualities.” To learn about these three bonds ETFs – including a “fallen angels” play that owns “once highly touted corporate bonds [that have] slipped down the credit ladder – and how they can be best used in an income portfolio, CLICK HERE.

Read More

Investments For Each Decade Of Life – And A 50-50 Stock/Bond Split In Retirement?

2017-06-11 07_11_10-Person Standing on Concrete Stone Under White Clouds during Sunset · Free StockWhether you are in your 20s, 30s, 40s, 50s, or 60s and beyond, today’s article has some tailor-made investing guidance for you – including some specific funds for those in each decade of life to consider. In addition, the article examines whether – contrary to conventional wisdom – a 50-50 stock/bond split may be appropriate for retirees, as has been recently advocated by Vanguard founder Jack Bogle. To read more, CLICK HERE.

Read More

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.

Read More