5 Small Steps To Solve A 75% Retirement Problem

2019-05-19 18_54_01-Low Angle Photography of Escalator · Free Stock PhotoIn a new survey conducted by Fidelity Investments, 75% of respondents reported feeling only somewhat confident to not confident at all about their retirement finances. Ultimately, those that lacked a financial plan for retirement lacked confidence, while those that had a plan also had confidence. As such, today’s article lays out “five small, practical steps you can take to boost your confidence in your retirement finances by creating a financial plan for retirement”. For more, CLICK HERE.

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Funds To Skinny Down Your Retirement Investments

2019-01-31 08_29_18-100+ Amazing Weight Loss Photos · Pexels · Free Stock PhotosThe author of today’s article advises that “when it comes to selecting investments for each part of your portfolio, you can really skinny things down by focusing on investments that provide a lot of diversification in a single shot.” She proceeds to highlight a number of funds that both retirement accumulators and those who are already in retirement could consider for this purpose – whether they are looking for a single-fund option or looking to employ a building-block approach. For more, CLICK HERE.

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What “Persistently Low Returns” Would Mean For Retirement Strategizing

2019-01-06 20_37_53-Low-angle Photography of Grey and Black Tunnel Overlooking White Cloudy and BlueHalf a percentage point. That is what one assessment suggests to expect return-wise from a balanced U.S. stock and bond portfolio over the next 10 years (before fees and taxes!). So what would the effects of an era of “persistently low returns” be on retirement strategizing? Today’s article examines the implications for 401(k)s, annuities, Social Security, medical care, alternative investments and more. CLICK HERE.

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The New Best Investment Choice For Retirees And Near-Retirees

2018-12-02 20_07_06-100+ Beautiful Financial Criss Photos · Pexels · Free Stock PhotosWhat’s the best investment choice right now for investors who are retired or nearing retirement (and thus are looking for reliable income)? The author of today’s article notes that, while income investors turned to investments such as high-yield bonds, master limited partnerships, high-yield dividend stocks and more in recent years, “Today’s best investment choice for investors in or near retirement just might be one they heavily favored before the financial crisis but ignored in recent years.” For more, CLICK HERE.

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For Retirees And Near-Retirees, Year-End Planning Starts Now!

2018-08-29 20_48_27-30+ Engaging 2018 Photos · Pexels · Free Stock PhotosThere are still a few weeks left of summer, but now may be time to start thinking about the end of the year – especially if you are in or nearing retirement. Today’s article outlines a number of ways that retirees and those planning their retirements can benefit by getting an early start on their year-end financial planning. For more – including what one expert describes as “two gifts of the tax code” to consider as part of this process – CLICK HERE.

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The Annuity Piece Of Your Retirement Puzzle

2018-08-08 08_27_24-100+ Great Puzzle Piece Photos · Pexels · Free Stock Photos“Annuities often get a bad rap,” states the author of today’s article, who acknowledges some of the drawbacks associated with these products. However, he notes that all investments have drawbacks – and that annuities can be “the hedge against the emotion of fear that you will run out of funds before you die.” He proceeds to outline the numerous ways in which annuities – especially fixed annuities – can reduce the risk associated with your retirement plan. For more – including how you can make an annuity do double duty – CLICK HERE.

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This Retirement Saving Strategy For High-Income Earners Has Gotten The Okay. Is It For You?

2018-07-29 19_34_26-10+ Beautiful Income Photos · Pexels · Free Stock PhotosIf you’re a high-income earner, you might think that one popular retirement-saving vehicle – the Roth IRA – is not available to you due to IRS-imposed restrictions on who can contribute to these accounts. One strategy for high-income earners to get around these restrictions is the “backdoor Roth” – and while there has been concern about this strategy, the new tax legislation appears to give it the green light. So does a backdoor Roth make sense for you? CLICK HERE for some considerations.

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How Women Can Take Control Of Their Retirement – And Prevent Financial Destitution

2018-05-07 07_00_30-Free Stock Photos of Women · Pexels · Free Stock PhotosAmericans on the whole are underprepared for retirement. This is especially true for women over 50, with today’s article noting that “they fall way behind men when it comes to retirement preparedness.” While there are multiples reasons for this reality (including an acceleration in the divorce rate for this group), what can women do to prevent against the prospect of financial destitution in retirement? The author outlines a number of suggestions in that regard. For more, CLICK HERE.

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