How Retirees Can Get Above Average Returns From Their Bond Portfolios

2018-06-02 20_28_54-Where the light come from photo by Agathe Marty (@agathemarty) on UnsplashThe author of today’s article outlines how retirees – or any bond investor – “can construct a portfolio of bonds whose total return will almost certainly be higher than the average of those individual bonds’ yields.” How does one accomplish this? By bond laddering – and while you are probably familiar with the concept of bond laddering, you may not be familiar with how “unexpectedly good” a bond ladder’s total return can be. For more, CLICK HERE.

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Shaping Up A Retirement Savings Shortfall

2018-04-19 19_37_13-Free stock photos of empty glass · PexelsA disturbingly large number of Americans are underprepared – “massively underprepared”, as the author of today’s article puts it – when it comes to their retirement savings. What can these individuals do about their predicament? The author advises that, while “there is no one-size-fits-all solution for those who are underprepared for retirement…the best approach likely includes some combination of the three strategies outlined here.” For these three strategies for contending with a retirement savings shortfall – including the strategy that “leads to a far better outcome than a doubling of your investment returns” – CLICK HERE.

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Fixed-Income Investors vs. Rising Interest Rates: One Strategy To Consider

2018-04-01 19_21_42-Free stock photos of clock · PexelsWith interest rates ticking up, prospects for higher inflation as a result of economic growth, and the uncertainty that comes with a new face helming the Federal Reserve, how can fixed-income investors go about preparing for this environment and the additional risks it poses? The author of today’s article highlights his favorite idea in that regard – a vehicle which “appears to be well-positioned to minimize the impact of rising yields by keeping a short duration.” For more, CLICK HERE.

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Wealth Building And A Pear Tree: How Diversification Can Limit Your Retirement Savings

2017-12-28 19_30_44-Free stock photo of breathtaking, calm, environmentThe importance of diversification in financial planning is constantly emphasized – and generally accepted. However, the author of today’s article notes that “when you look at those who achieve the greatest wealth or have the greatest impact, virtually none of them ever diversify…or at least, not throughout most of their years.” He proceeds to examine how different diversification strategies – represented by redwood trees, bushes and pear trees – can affect one’s wealth (and retirement savings). For more, CLICK HERE.

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New Retirees May Be In The “Sweet Spot” For This Other Tax-Harvesting Strategy

2017-12-17 19_40_09-Free stock photo of beverage, breakfast, close-upAt this time of year much is written about the benefits of tax-loss harvesting. Finding losers to sell, however, may be a particularly difficult undertaking this year given the market’s performance. Instead of tax-loss harvesting, today’s article looks at “another tax-harvesting strategy [that] looks to be better suited to this year’s buoyant market conditions: tax-gain harvesting.” Why would investors want to pre-emptively realize a gain, what “small subset of the investing public” would benefit from this strategy – and why might new retirees be in its “sweet spot”? CLICK HERE.

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From “Go Go” To “No Go”: Structuring Your Portfolio For The Unique Phases Of Retirement

2017-11-19 09_17_54-pexels-photo-277052.jpeg (3264×2448)With retirement comes a shift from receiving a consistent paycheck to needing to tap your various income streams to cover your various expenses – and the author of today’s article argues that “this shift requires a new investment strategy and mindset.” In order to develop this strategy and mindset, she advises to think of retirement as consisting of three unique stages – the “Go Go” years, the “Slow Go” years, and the “No Go” years – and outlines “five key areas” to address when it comes to planning for each of these stages. For more, CLICK HERE.

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