Investment Strategy

The Do’s And Don’ts Of Dealing With A Stock Market Downturn In Retirement

If faced with stock market volatility or a downturn in retirement, would you reduce your investments in stocks? In one survey, a third of pre-retiree respondents indicated that they would do just that – but this may not be the best (or even a good) strategy. What does the author of today’s article point to as being “The key to… 

A Different Way For Retired Investors To Beat The Market “Without Fail”

How can investors – especially retired investors – beat the market without fail? The author of today’s article outlines “a simple step-by-step common sense-based strategy” to do just that, with the following caution: “What I will be presenting may not be what you are expecting, particularly if you have a narrow notion of what beating the market means. In other… 

How Retirees Can Get Above Average Returns From Their Bond Portfolios

The 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… 

Shaping Up A Retirement Savings Shortfall

A 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… 

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

With 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… 

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

The 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 –… 

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

At 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… 

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

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…