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.

Read More

Bull, Bear Or In-Between: When Is It Better To Retire?

2018-11-29 21_47_07-200+ Amazing Numbers Photos · Pexels · Free Stock PhotosAre you better off retiring in a bull market or a bear market? For those who have the option of retiring now while the good times are still here or waiting until things go south, this is an especially salient question. In today’s article, the author runs the numbers on retiring during a raging bull market versus retiring in a bear market, and shows why the latter may be better. For more – including some insights on retiring during times of uncertainty when there is neither a bull market nor a bear market – CLICK HERE.

Read More

Where Does Your Home Equity Fit Into Your Retirement Strategy?

2018-07-31 07_07_09-446 Cozy House Photos · Pexels · Free Stock PhotosHomeowners’ equity has climbed to its highest level ever – and yet few retirees are actually tapping their home equity in retirement. The author of today’s article notes that “maintaining home equity throughout retirement isn’t ideal in many situations, especially for older adults with significant housing wealth but dwindling portfolio values. For them, tapping home equity in some fashion…can be a sensible move.” She proceeds to outline the three main strategies when it comes to home equity and retirement – and the pros and cons of each. CLICK HERE.

Read More

Floor-and-Upside: A “Safety First” Retirement Strategy

2018-02-10 19_01_44-Free stock photos of safety · PexelsThe retirement financing strategy highlighted in today’s article is sometimes referred to as “safety first” – a notion that may be taking on even greater importance for retirement savers in light of recent market gyrations. The strategy in question is the “floor-and-upside” strategy, where “the basic idea…is that a retiree devotes some of her retirement funding assets to building a lifetime stream of income and the remainder to an investment portfolio to provide liquidity and the possibility of increasing wealth over time.” For more on this strategy, CLICK HERE.

Read More

Mitigating Against Unlucky Returns

2018-01-14 14_06_04-Free stock photo of blowball, dandelion, dandelion seedIt can have a dramatic impact on your retirement – and, unfortunately, it is largely out of your control. We’re talking about the market’s sequence of returns leading up to – and throughout – your golden years. The author of today’s article illustrates the impact that differing sequence of returns can have on the equity portion of one’s portfolio and, noting that individuals thinking of retiring in the next year or two “are vulnerable to an unlucky sequence”, looks at some strategies to mitigate this threat. For more, CLICK HERE.

Read More

These Market Events Could Throw Monkey Wrenches In Plans To Retire

2018-01-08 19_12_23-Morguefile free photographs for commercial useIf you’re planning on retiring this year – or in the next few years – the author of today’s article warns that there are some “potentially market changing events” that could throw a wrench into those plans – and he proceeds to detail three to be cognizant of. The first could come as early as April, the second involves a possible witch hunt against some of the FAANG companies, and in regards to the third the author admits “This is the one I don’t like to talk about.” For more, CLICK HERE.

Read More

Sustainable Streams: 4 Approaches For Ensuring Your Retirement Income Lasts As Long As You Do

2017-12-07 09_24_32-Silver Round Coins · Free Stock PhotoAccording to the American College of Financial Services, Americans are not particularly knowledgeable about how to preserve their accumulated assets and create sustainable streams of income in retirement. As such, the central question of today’s article is “How do you convert your nest egg into a stream of retirement income that lasts as long as you do?” The author outlines four ways to go about doing so – whether you are willing to hand your money over to someone else, or want to hang on to it yourself. To read more, CLICK HERE.

Read More

3 Attractive Dividend Stocks For The Income-Focused Retirement Portfolio

2017-12-04 21_27_33-Close-up Photo of Leaves · Free Stock PhotoA real estate investment trust that is required to pay out the bulk of its profits as dividends (and whose management anticipates 4% annual dividend growth over the next 3 years), a well-run Canadian pipeline giant that is likely to increase its payout significantly in the coming quarters, and a renewable energy focused yieldco whose management expects 12% to 15% dividend growth through 2022 are the three stocks highlighted in today’s article that could be prime picks for a retirement portfolio. CLICK HERE for more.

Read More

Some (Not So) Fun Facts About Retirement

2017-11-26 20_58_39-Scenic View of Beach · Free Stock Photo“While the post-work years can truly be golden for those who plan for them, many retirees are caught off guard by the facts of their new life,” warns the author of today’s article. He proceeds to outline several facts about retirement that, while not necessarily fun facts, are things that he believes those approaching retirement should be cognizant of before leaving the workforce for good. To read more, CLICK HERE.

Read More

How The Chinese Middle Class May Be Ruining Your Retirement Savings

2017-11-19 19_34_37-White Paper With Note · Free Stock PhotoIf you’re close to retirement you can thank them for helping to give the return on your retirement savings a boost. But if your retirement is still a ways off, the author of today’s article warns that “you’re going to have a devil of a time getting a decent return on your retirement savings” because of them. The “them” in question is the Chinese middle class, which the author notes is flooding its savings into global markets – pushing up asset prices, pushing down yields, and creating dim prospects for real returns in the future. So what can younger U.S. workers do in light of this grim reality? CLICK HERE.

Read More