Newsletters: The Retiree’s “Low-Cost Friend”

2020-03-14 17_27_13-silhouette of two person sitting during golden hour photo – Free People Image onFor retirees who want to avoid the sting of high adviser fees, investment newsletters can be one of their best – and low-cost – friends. As today’s article explains, “There are a handful of low-cost newsletters available with decades-long track records that provide independent advice. They are not produced by the fund companies they cover. And they offer guidance through monthly digital and print publications, model portfolios, weekly hotlines and website access, all at a small fraction of the cost of investment fees charged by financial advisers or portfolio managers.” For more – including who the newsletter approach works best for and the best way to pick one – CLICK HERE.

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“Gut Check”: How One Man’s Extremely Bad Luck Is A Wake-Up Call For Retirees

2020-03-09 20_13_00-Window“This is very disconcerting and very bad timing,” says Tracy Donaldson, a newly retired Floridian who had the extremely bad luck of retiring the same week the Dow dropped significantly on coronavirus fears. But while Donaldson’s guaranteed pension and Social Security mean he’ll be fine even in the event of a lengthy downturn, many retirees may find themselves in a much more fragile position – and Donaldson’s bad luck should serve as a wake-up call. For more, CLICK HERE.

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Asset Allocation Or Security Selection: Which Is More Important For Retirees?

2020-03-03 09_24_58-Deadlock With Key on Hole · Free Stock PhotoWhat is the more important investment decision when it comes to your retirement portfolio: asset allocation (how much to allocate to various asset classes) or security selection (which specific securities to purchase to fulfill your asset allocation)? For many investors – and retirement planners – the answer has long been the latter (security selection), but a new study suggests that retirees may want to reconsider where they expend their time and energy. For more, CLICK HERE.

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Where Are You In The “Getting Rich Quadrant”?

2020-02-24 20_29_36-Brown Leather Bifold Wallet With Banknotes Sticking Out · Free Stock PhotoWhat are your chances of getting rich? That depends to a large extent on where you fall in what the author of today’s article calls the “Getting Rich Quadrant”, which considers the combination of one’s income (high or low) and cost of living (high or low) – and depending on your particular combination, you could be well on your way to self-created riches… or facing a disastrous situation. For more, CLICK HERE.

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Why These Funds Could Be The “New Retirement Income”

2020-02-23 20_04_37-White Textile Beside Lit Candle · Free Stock Photo“With powerful demographic forces keeping interest rates lower for longer, investors (and financial advisors!) need to adjust their thinking for the future,” declares the author of today’s article, who cites a report from Morgan Stanley warning that, over the next 10 years, returns from a traditional 60/40 portfolio will be close to a century low. So what can investors do to get higher yields in this environment? The author recommends a particular type of investment structure offering much higher yields. For more, CLICK HERE.

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Don’t Learn These Money Lessons Too Late

2020-02-17 20_32_30-Coins on Brown Wood · Free Stock PhotoDespite having spent decades studying money and finances, the author of today’s article reveals that “it took [him] a decade or more to learn many of life’s most important money lessons and, indeed, some key insights have only come to [him] in recent years.” Among those lessons are “the key to a big portfolio” and what should be – and what shouldn’t be – one’s top financial goal. For 10 money lessons the author has learned over the years – and wishes his younger self had known – CLICK HERE.

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Opting In To (Or Not Opting Out Of) Higher Retirement Wealth

2020-02-12 22_21_18-WindowCan something as simple as how a question is asked have a dramatic impact on an individual’s retirement wealth? A just-published study finds that, indeed, it can! In fact, the authors of the study found that “How a deceptively simple question gets asked can lead to an improvement in retirement wealth of up to 50%”. What is this “deceptively simple question” – and how can how it gets asked lead to such a significant improvement in retirement wealth? CLICK HERE.

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MAGA: “Making Annuities Great Again”

2020-02-05 21_58_27-Low Angle Photography of Gray Concrete Building Under Blue Sky · Free Stock PhotJust as the Trump MAGA (“Make America Great Again”) slogan is polarizing, so too are annuities. In fact, the author of today’s article observes that “the very financial tool that could save someone’s retirement journey so that they have income for life is the very tool that many hate.” Given the fear so many Americans have of running out of money in retirement, and the potential of annuities to eliminate that concern, the author outlines what you need to know about annuities “so you can make annuities great again.” For more, CLICK HERE.

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