Considerations When Geo-Arbitraging Your Retirement

2019-02-08 22_04_39-Aging, alone, aged and senior adult HD photo by rawpixel (@rawpixel) on UnsplashThis retirement strategy is on the rise – and it also has a fancy name: geo-arbitrage. With geo-arbitrage, individuals accumulate retirement income in the U.S. and then relocate to locations around the globe with a lower cost of living. Noting that “it’s a big world, and every country poses unique opportunities and complications”, today’s article outlines “five practical questions” for individuals considering taking advantage of geo-arbitrage to ask themselves as they evaluate various locales. For more, CLICK HERE.

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Are Things Turning DIRE For FIRE?

2019-01-04 21_33_15-Fire Pictures · Pexels · Free Stock Photos“Today, we are at peak FIRE, perhaps similar to peak crypto reached in December 2017. Unfortunately, when you’re at the peak, there’s usually nowhere to go but down,” laments the author of today’s article, who warns that the FIRE (financial independence, retire early) movement “is in for a rude awakening” — and poised to be overtaken by a new retirement movement: DIRE (Delay, Inherit, Retire, Expire). CLICK HERE for more.

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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.

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From American Dream To Middle-Class Nightmare

2018-12-16 14_25_36-Window“The American dream of a modest retirement after a lifetime of work now is a middle-class nightmare.” So concludes the author of a recent report from the National Institute on Retirement Security – and the author of today’s article expands on this conclusion, looking at just how retirement in America has gotten to this unfortunately place and how, “If the middle class keeps slipping, as we fear it will…The retirement dreams of millions of Americans may slip away forever and ever.” For more, CLICK HERE.

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How To Translate Your Nest Egg Into Monthly Retirement Income – And The Benefit Of Doing So

2018-10-17 08_01_27-WindowWhat does the current amount of your retirement nest egg translate into in terms of future monthly retirement income? In light of the fact that a recent piece of research found that more than half of U.S. workers aged 20 to 79 have difficulty figuring out this conversion, today’s article identifies two ways to estimate that monthly income figure – one way which is perhaps the simplest and another which is also simple (but perhaps less exact). For more – including one big benefit of learning how much your nest egg might produce in monthly income – CLICK HERE.

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This “Absolutely Catastrophic” Financial Decision Might Be The One Thing Preventing You From Building Wealth

2018-10-07 20_00_08-200+ Beautiful Stack Photos · Pexels · Free Stock PhotosWhat’s the one thing most preventing you from building wealth? The author of today’s article makes the case that, when it comes to building wealth, “one financial decision in particular has been absolutely catastrophic for people at every income.” In fact, he outlines how taking a different course when it comes to this particular financial decision has the potential to generate hundreds of thousands of dollars by retirement. So what is this wealth-killing decision – and how can you change your mind set about it? CLICK HERE.

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Real Estate & Retirement: Strategies, Pros and Cons

2018-09-23 12_32_34-200+ Beautiful Stack Photos · Pexels · Free Stock PhotosIf you’re looking to diversify your retirement income streams – especially in a way that factors in inflation – investing in real estate can be one avenue to consider. Today’s article outlines four ways you can invest in real estate for retirement – investing in private mortgage funds, purchasing rental property, investing in real estate investment trusts, and cashing in home equity – and the pros and cons of each. For more, CLICK HERE.

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3 Attractively Valued High-Yield Stocks For Accumulators And Retirees Alike

2018-09-23 12_27_23-200+ Beautiful Stack Photos · Pexels · Free Stock PhotosFor both those in the accumulation phase of their investment careers and those nearing retirement or in retirement, dividend growth stocks have great appeal – even though, as the author of today’s article notes, these two groups may be looking for slightly different things from these stocks (total returns in the case of accumulators and reliable, inflation-beating income in the case of retirees). He proceeds to highlight “three attractively valued high-yielding businesses with well-protected and growing dividends” that could appeal to either group. For more, CLICK HERE.

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Forget Rules Of Thumb – And Calculate Your Individualized Income Replacement Rate

2018-09-16 13_47_04-40+ Beautiful Reminder Photos · Pexels · Free Stock PhotosWhile there are some general rules of thumb for retirement income-replacement rates (e.g. 75% to 80% of working income), pinning down your individualized retirement cash flow needs can be difficult. As the author of today’s article notes, “higher-income, higher-saving households may well need just 60% (or even less) of their pre-retirement income during retirement, while lower-earning, lower-saving households may need closer to 90%.” So how can you come up with as realistic a figure as possible for yourself? The author outlines seven steps to take. CLICK HERE.

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