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.

Read More

Allocation, Cash Flows & Saving Your Retirement From A Stock Market Decline

2019-01-01 08_52_58-10+ Interesting Retire Photos · Pexels · Free Stock PhotosHow do you keep your retirement from becoming compromised due to a decline in the stock market close to your retirement? This is the question the author of today’s article gave some thought to after his uncle, who is planning on retiring in 2019, lost around 30% of the value of his portfolio in a matter of weeks thanks to the stock market’s recent volatility. For his insights regarding both portfolio allocation and cash flows, CLICK HERE.

Read More

How These 6 “Obscure” Funds Can Provide Income And Growth For Retirement

2018-09-06 11_13_34-100+ Great Cash Photos · Pexels · Free Stock PhotosToday’s article outlines how an initial investment of $300,000 in six specific funds (from “an obscure corner of the market”) can create a significant, reliable income stream for retirement. Specifically, “this portfolio has a 7.9% yield, meaning our $305,000 initial investment is going to give us $24,000 in annual income—that’s $2,000 per month!” Moreover, these six funds offer growth in addition to income, with impressive annualized returns over the last decade. For more, CLICK HERE.

Read More

9 Dividend Stocks For The Soon-To-Be Retiree’s “Perfect Stock Portfolio”

2018-08-12 18_58_08-10+ Engaging Folder Photos · Pexels · Free Stock PhotosNoting that the two most important factors for those on the verge of retirement are income and stability, the author of today’s article states that “a soon-to-be-retiring person can maintain a perfect stock portfolio with the help of strong organizations that pay substantial dividends” – and he proceeds to highlight nine companies that fit this profile. For these nine dividend stocks that appear to be well-suited for soon-to-be retirees, CLICK HERE.

Read More

A “Sleepy” Way That Retirement-Bound Boomers Can Prepare For A Bear

2018-07-01 06_38_25-167 Incredible Bear Pictures · Pexels · Free Stock PhotosDespite an awful lot of prognostications, nobody knows for sure when the next bear market will be. What is known, however, is that the five major stock bear markets of the past 45 years wiped out 40% of the stock market’s value on average – and, as today’s article notes, “in the two most recent bear markets, you would have had to wait between six and seven years just to claw back to a breakeven price.” A bear market, then, could be devastating to retirement-bound baby boomers. What’s one “sleepy” way that boomers can adjust their portfolios to better prepare for a bear? CLICK HERE.

Read More

Using Gold To Protect Your Golden Years

2018-04-29 16_13_22-Free stock photos of gold · PexelsCan you afford to lose 30% (or more) of your retirement savings in the event of a market crash? If your answer is no, the author of today’s article – who believes a recession is coming within the next year – urges you to add gold to your portfolio, pointing out that, while “stocks and bonds have been in a major uptrend for 9 years and 20+ years respectively, and so are overdue for a correction… [gold] peaked in 2011 at $1,900 and has only recovered part of its loss so far.” But what gold investment may be best? CLICK HERE.

Read More

“Fourth Quarter” Retirement Planning Opportunities

2018-03-21 20_55_20-Free stock photos of planning · PexelsWhile the years right before – and just after – retirement can play an especially critical role in one’s financial security in retirement, the author of today’s article points out that “a number of planning steps and strategies arise in the decade or so before retirement—that is, in one’s 50s usually—that can have a big impact before the start of a retirement transition.” He proceeds to outline a number of such “fourth quarter” planning opportunities, covering issues from cash flow and insurance to portfolio allocation and estate planning. For more, CLICK HERE.

Read More

How Much Do Stock Market Declines Actually Hurt New Retirees?

2018-03-10 19_12_29-Free stock photos of relax · PexelsAfter an extended period of near record-low volatility, the market has seen a number of marked declines in recent weeks. Market declines can be terrifying – especially for those just starting retirement. As the author of today’s article notes, “retirement success is influenced by the returns that an investor earns when their portfolio is largest (presumably right at retirement). Therefore, investors right around retirement are most at risk of stock market declines.” But how much should new retirees actually fear market declines? The author looks at how much new retirees are actually hurt by market declines – and the findings might surprise you. CLICK HERE for more.

Read More

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

Protecting Your Retirement Savings From The Next (Debt-Driven) Financial Crisis

2018-02-21 22_19_36-Free stock photos of old age · PexelsIs a financial crisis coming – and, if so, how can you protect your retirement savings before the economic implosion occurs? These are the issues tackled in today’s article, where the author warns of the possibility of a coming financial crisis as a result of “asset price bubbles, misplaced credit and excessive debt on a global scale.” Will the U.S.’s massive debt problem bring about the next financial crisis – and how can Americans protect their retirement savings if that’s the case? CLICK HERE.

Read More