How Many Market Crashes To Expect During Retirement – And Why The Government Is Helpless To Prevent Them

2019-11-04 08_54_27-White House, Washington DC photo – Free Building Image on UnsplashWhat are the odds that the stock market will crash at some point (or multiple points) during the course of your retirement? Researchers have actually developed a formula for making this determination – and based on that formula, the author of today’s article warns that “the odds of a huge crash are…high enough that you should expect at least one, and perhaps more, during your retirement.” For more – including the number of smaller crashes the formula indicates one should expect over the course of a 30-year retirement and why, despite what many believe, government regulations and safeguards are unlikely to prevent future crashes – CLICK HERE.

Read More

Making The Most Of A Million-Dollar Nest Egg

2019-11-02 17_22_24-Egg on Gray Stainless Steel Forks · Free Stock PhotoA $1 million nest egg may seem like a lot, but when you consider that the average 65-year-old today can expect to live to nearly 85 (i.e. another 20 years), there is still a real risk of a $1 million nest egg expiring before you do. So how long will $1 million last in retirement – and how can you make it last significantly longer than that (15, 20, or even more than 30 years)? CLICK HERE.

Read More

Restricted Stock Units: A New, Flexible Building Block For Retirement (And Other Financial Goals)

2019-10-31 23_43_05-black cube photo – Free Paper Image on UnsplashDespite having “restricted” in their name, the ultimate benefit of restricted stock units (RSUs) is their flexibility. As today’s article explains, RSUs are a type of equity compensation for employees that offer “a new building block toward retirement, while also opening doors for investments, experiences and major purchases throughout the course of your life.” For more on the basics of RSUs and the many ways they can be used to help you achieve your short- and long-term financial goals, CLICK HERE.

Read More

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

2019-10-25 22_38_34-Flag of America photo – Free Flag Image on UnsplashIt’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 problem because it means many Americans are likely missing out on two of its big benefits”. For more, CLICK HERE.

Read More

How Inflation Can Impact Your Retirement (And Some Inflation-Protection Strategies)

2019-10-21 09_52_20-person sitting on gray rock beside body of water during daytime photo – Free Per

Inflation may not seem like much of a concern right now, but the author of today’s article points out that periods in which inflation has been significantly higher than average have typically arrived without any advance warning. Given this, and considering the fact that, as he notes, “even average rates of inflation can take a large toll”, it’s worthwhile to consider the impact inflation could have on your retirement plan. For two categories of spending the author sees as particularly worrisome for retirees going forward, as well as strategies available to protect yourself from inflation in retirement, CLICK HERE.

Read More

A “Perverse Conclusion” On Investing For Retirement

2019-10-17 21_26_03-tilt-shift photography of person in brown jacket photo – Free Person Image on Un“Here’s a sobering thought: Much—and perhaps most—of the money you’ll accumulate for retirement will reflect the raw dollars you sock away and not the investment returns you earn,” begins the author of today’s article, who proceeds to outline some examples to illustrate this fact, as well as examine its implications. For more – including the “perverse conclusion” this leads the author to regarding investing for retirement – CLICK HERE.

Read More

Obstacles, Solutions, FIRE And Lattes: A “Personal Finance Guru” On Saving For Retirement

2019-10-01 12_59_47-Heavenly Clouds & Spring Sunset _ HD photo by Davies Designs Studio (@davies_desThere’s a consensus that Americans are not saving enough for retirement. But what are the obstacles – including the mental obstacles – that are preventing them from doing so? What can they do to save more for retirement (including those who are close to retirement but haven’t saved enough)? What’s the “wrong picture” many may have of the FIRE (Financial Independence, Retire Early) movement? And are lattes really a threat to Americans’ retirement savings? In today’s article, personal finance guru Jean Chatzky tackles these issues and more. For more, CLICK HERE.

Read More

A Million-Dollar Retirement For The Low Price Of $405K

2019-09-28 16_22_20-Trawangan island on a clear day _ HD photo by roman raizen (@raizen) on Unsplash$1 million is the figure commonly cited by financial experts when it comes to how much you need for retirement. In today’s article, however, the author outlines a way in which you can retire on less than half that amount — $405,000 – with just five buys which, in combination, “hand you a 7.4%-yielding portfolio that will pay you reliably for decades.” For more on this “5-buy” portfolio – which uses a “special kind of fund” as its bedrock – CLICK HERE.

Read More

How You Know You’re Succeeding Financially

2019-09-22 18_39_59-People Doing Marathon · Free Stock PhotoThe difference between running a marathon race and preparing for retirement, the author of today’s article observes, is that “When you cross the finish line in a marathon, you know the race is over. But when you quit the workforce, it’s much harder to figure out whether you’ve successfully reached retirement.” So how can you get a good sense of whether you’re succeeding financially as you enter retirement? He outlines 15 indicators – some money-related, and some not. For more CLICK HERE.

Read More