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

2019-11-15 21_23_59-Selective Focus Photography of Turned-on Light Bulb · Free Stock Photo“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 of today’s article, who proceeds to provide some “thoughts on how to leverage the power of investing to give yourself the best chance at a great retirement.” For more, CLICK HERE.

Read More

SRI & ESG Investing: An “Existential” Question For Retirees

2019-11-15 21_20_35-Person's Left Hand Holding Green Leaf Plant · Free Stock PhotoSocially Responsible Investing (SRI) and Environmental, Social and Corporate Governance (ESG) have been gaining popularity as investment approaches, but are ESG/SRI funds good for retirees and soon-to-be-retirees? The author of today’s article believes that “The ensuing debate over SRI and ESG investing is potentially an existential one for retirees and soon-to-be retirees”, given the question as to whether these approaches lead to diminished – or superior – returns. What does the research have to say about the suitability of ESG/SRI funds for retirees? CLICK HERE.

Read More

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

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

Reliable And Rising Income: 20 Dividend Stocks For Retired And Near-Retirement Boomers

2019-10-19 23_14_19-blue, yellow, and red hot air balloon photo – Free Hot air balloon Image on Unsp“In a world where interest rates are so low and uncertainty seems to be the norm, baby boomers need to look for stable dividend stocks that can compete with the current income of longer-term Treasury notes and bonds and for businesses that should grow to offer some capital appreciation over time as well,” notes the author of today’s article, who proceeds to highlight 20 dividend stocks – most of which are dividend growers – that offer retired and near-retirement boomers reliable and rising income. For more, 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

Ease Financial And Retirement Worries With An “Intentional Life Plan”

2019-10-13 21_33_08-Cup, coffee cup and coffee shop _ HD photo by Daria Shevtsova (@daria_shevtsova)You may have a will in place, but what about a power of attorney, an advanced directive, or a financial plan? A recent survey found that few people actually use these tools that the author of today’s article argues “are so important for successful lives” – and which can ease financial and retirement worries. He proceeds to outline how to create what may be the most important tool in this regard: an “intentional life plan”. For more, CLICK HERE.

Read More

Rate Of Return: The Retirement Maker (Or Breaker)

2019-10-12 22_42_36-WindowWhen it comes to the ultimate size of your retirement nest egg, the author of today’s article notes that “Calculating future savings requires numerous factors, including current age and predicted retirement age, any current assets, how the portfolio is invested and at what rate a person can realistically expect that money to grow.” And it’s this latter factor – the rate of return – that she proceeds to examine. Given that your assumed rate of return can make or break your retirement plan, just what is realistic? For more, CLICK HERE.

Read More