Given its recent moves, investors have reason to be anxious about the market – and none more so than investors who are at retirement’s doorstep. For those in that group, today’s article outlines a number of strategies to consider, as identified by top financial advisers. First, however, the author advises that “It’s critical that you…draft a retirement-income plan”, noting that…
Earlier this summer, a Barron’s cover story advanced the claim that this is “the worst time to retire since just before the dot-com bubble burst”, pointing to the nearly decade-long stock bull market (and even older bond bull market) – and the “rising market volatility, rising inflation, rising interest rates and an uncertain economic outlook” expected to result – as…
When it comes to 401(k)s and IRAs, the author of today’s article argues that “Gambling away your retirement funds in a government-sponsored game of chance is a game you have little hope of winning.” Instead, he asserts that if you want to retire for real (and early), the key is attaining financial freedom – which requires focusing on cash flow…
Whenever the next bear market arrives, it may be an especially devastating one for retirees – even those who have managed to build substantial retirement portfolios. Why? The author of today’s article lays out the case, which includes some recent revelations by the U.S. government regarding Social Security and Medicare that he states “will surely have far-reaching consequences.” For more,…
The average monthly Social Security benefit this year is just $1,404. Needless to say, most retirees will need to supplement their Social Security payments – significantly – in order to generate enough income to live comfortably in their golden years. And the three stocks highlighted in today’s article – with their consistently increasing dividend payouts – can play a part…
Retirees may, understandably, want to avoid stocks, but the need to fund increasingly lengthy retirements may make doing so unwise (if not impossible). Their best bet, then, may be stocks of companies that have stable business models, room to expand, and which pay (and increase) dividends. Today’s article highlights three such stocks that may be well-suited for retirement portfolios. For…
The expectation in some circles is that emerging markets will be the only category of equities that will generate a significant return above inflation over the next 7 to 10 years. Given this, retirees may be tempted to allocate a sizable chunk of their portfolio to emerging market equities. Today’s article, however, outlines why retirees may be well-served to reconsider…
“I think there should be a big difference between a retiree portfolio and a retirement portfolio,” argues the author of today’s article, noting that, while a retirement portfolio (held during the pre-retirement accumulation phase) should focus on growth first and foremost, a retiree portfolio (held in retirement) requires a shift in focus to income generation and lower volatility. He proceeds…
If you’re retired (or approaching retirement), what’s your investment risk level? The author of today’s article notes that “Retirees will have a combination of different types of risk levels. The question to ask is what type of investment weightings one should have in each based on their risk profile.” As such, after outlining four retirement investment risk levels (zero, minimal,…
Who says retirement portfolios have to be complicated? Whether you are in the pre-retirement accumulation phase or are already in retirement, and whether you are looking for single-fund options or want to take a building-block approach to your retirement investments, today’s article highlights a number of funds that allow you to “skinny things down by focusing on investments that provide…