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Meet The New ‘Bonds’ For Retirement

With longer life expectancies and lower interest rates, among other factors, the traditional 60/40 portfolio “just won’t be able to cut it anymore”, according to some financial experts. Instead, greater allocations to equities will be needed – and dividend stocks will become the new bonds for retirement. One place investors can look for higher yields for their retirement portfolios? Business… 

“The Biggest Lie In Personal Finance”

The author of today’s article calls it “the biggest lie in personal finance” – and sees it as pervasive among articles on how to achieve early retirement. What is this lie, how does the financial media feed it, and what does the author argue is the only real “secret” to getting rich? CLICK HERE.

The Good News – And The Bad News – About SECURE Retirements

Most of the provisions of the Setting Every Community Up for Retirement Enhancement (SECURE) Act go into effect this year, and the author of today’s article points out that a number of the SECURE Act’s provisions are relevant to those who are not yet even at or near retirement. Noting that “They can have a profound effect on the way… 

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… 

Retirees, Beware “Dollar-Cost Ravaging”

You’ve probably heard of dollar-cost averaging (investing a fixed amount of money at regular intervals over a long period of time to minimize the impact of volatility), but what about “dollar-cost ravaging”? The strategist interviewed in today’s article sees dollar-cost ravaging as a problem that can cause a lot of damage to the portfolios of retirees – especially in the… 

Retirement Withdrawals & The Widow’s (Or Widower’s) Tax

“Tax-deferred accounts are great until they aren’t – when we have to pay taxes on our withdrawals,” notes the author of today’s article, who highlights an “often-overlooked” reason for married couples to consider making additional, earlier withdrawals from tax-deferred accounts (in addition to more common reasons such as wanting to use accumulated funds while you and your spouse are still… 

How You Can Cut Your Retirement Number In Half

How would you like to only have to save half as much as you otherwise would for retirement? The author of today’s article outlines how you can turn that fantasy into a reality with proper fee management, pointing out that “You lose over half a million dollars just from [a] small difference in fees, because small amounts multiplied over 40… 

“Leverage The Power Of Investing” – And Make Your Retirement Savings Work For You

“Over the course of your lifetime — unless you’re making a lot of money or live extremely modestly on a reasonable salary — you’re going to find it hard to simply put away enough money to retire. The money you put away should, ideally, be working for you and growing at a pace (much) faster than inflation,” notes the author… 

The “Cornerstone Of Retirement Planning” (That Most Americans Don’t Understand)

It’s “the cornerstone of retirement planning” – yet in a recent study, 92% of the American adults surveyed either demonstrated a lack of understanding of it or couldn’t even define what it was! What is this retirement-planning cornerstone? Fixed-income investing – and one portfolio manager cited in today’s article warns that “The lack of knowledge about fixed-income investing is a…