Half a percentage point. That is what one assessment suggests to expect return-wise from a balanced U.S. stock and bond portfolio over the next 10 years (before fees and taxes!). So what would the effects of an era of “persistently low returns” be on retirement strategizing? Today’s article examines the implications for 401(k)s, annuities, Social Security, medical care, alternative investments and more. CLICK HERE.
If you are preparing to retire next year, today’s article provides an overview of critical considerations, including matters relating to retirement expenses, health care (the “often-overlooked” retirement cost), Social Security strategizing, income strategies (and the tax implications of those income strategies), portfolio risk – and preparing emotionally for retirement as well as financially. For more, CLICK HERE.
With the new make-up of Congress post midterms, the author of today’s article advises that “future retirees should be paying close attention to retirement legislation these next few years.” She proceeds to outline what to expect in regards to pensions, Social Security and Medicare, the Obama-era fiduciary rule and retirement plans with a split Congress and Trump White House. For more, CLICK HERE.
The old three-legged stool for retirement consisted of a pension, Social Security and personal savings. However, with pensions now largely obsolete and the future of Social Security in question, the author of today’s article outlines “the new three-legged retirement stool”, which he sees as consisting of personal pre-tax savings, personal after-tax savings, and income from personal hustle. For more on the new three-legged retirement stool – and how to build one that is solid – CLICK HERE.
Are you trying to play catch up with your retirement savings? Looking to retire early? Whatever position you currently find yourself in relative to retirement, today’s article outlines ten “commandments” that may be worth following in the aim of ultimately achieving a comfortable retirement. For these ten commandments – relating to Social Security, estate plans, taxes, health care, pre-retirement lifestyle and more – CLICK HERE.
The author of today’s article calls them “the single best way to maximize the chances of a rich retirement” – whether one is still decades away from retirement or is quickly approaching (or already in) retirement. The “them” in question? Dividend growth stocks – and with Congress forever kicking the can down the road on fixing Social Security, they may be more pivotal to one’s retirement planning than ever. For more on how dividend growth stocks can help ensure a prosperous retirement, whatever one’s time horizon, CLICK HERE.
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, CLICK HERE.
Whether one is in the pre-retirement accumulation stage or the retirement decumulation stage, retirement planning seems to be getting increasingly complicated. At a recent investment conference, research and innovations related to the challenges posed by the evolving retirement planning landscape were discussed. For some key takeaways from this discussion – pertaining to target-date funds, Social Security, safe withdrawal rates, annuities and more – CLICK HERE.
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 in that effort. For these three stocks worth considering for retirement portfolios – including one that has increased its payout for almost 60 years – CLICK HERE.
Achieving alpha in the financial markets is no easy feat. As such, the author of today’s article advocates that, in seeking alpha, “all of us need to look in our backyards, where all our personal financial decisions are waiting to be optimized.” How? He outlines a number of strategies pertaining to Social Security benefits, retirement accounts and taxes which, combined, have the potential to raise a couple’s standard of living by nearly 50%. For more, CLICK HERE.