If you are in the pre-retirement accumulation phase, the recent market selloffs offer an opportunity to purchase your future retirement dividend income at a bargain. As such, the author of today’s article screened the list of dividend champions, using a number of criteria to identify quality dividend companies that may be worthy of further consideration by bargain-hunting retirement accumulators. For…
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,…
What’s the best way to ensure that your retirement funds will last as long as you do? A research team at Stanford sought to answer that question, and after analyzing 292 retirement income strategies, has identified what it believes is the best strategy – one which “produces more average total retirement income expected throughout retirement compared to most solutions… and…
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…
Today’s article outlines a mutual fund portfolio for aggressive retirement savers – i.e. investors who are still many years away from retirement (or who are closer to retirement but already have their in-retirement income needs covered). As the author notes, these individuals can “reasonably hold more in potentially more volatile subasset classes, such as small-cap stocks and foreign stocks and…
The author of today’s article calls them “the Rodney Dangerfield of retirement investing” as they are getting no respect. The investment in question? Treasury Inflation-Protected Securities (TIPS) – which the author notes have been producing disappointing returns in recent years compared to regular Treasurys. However, while many retirees have been abandoning TIPS in favor of regular Treasurys, he cautions that…
While social security benefits, employer pensions and personal savings are the three traditional streams of retirement income, the author of today’s article points out that “there are…other potential sources of retirement income that are not mentioned often enough” – and he proceeds to outline three such nontraditional sources. For a discussion of these unconventional income sources and why they may…
Traditional corporate pensions have largely fallen by the wayside in recent decades – but there is a way that investors in particular situations can still get a pension-like benefit in retirement: personal defined-benefit plans. The author of today’s article notes that, while few investors are even aware they exist, “they very much do, though now it’s up to us to…
Leverage and retirement don’t conventionally go together – but a new exchange-traded fund targeting retirees who require more income than they can get from a typical 60-40 stock-bond portfolio is looking to include a leverage component in an effort to provide investors with superior returns. As today’s article outlines, “this fund takes those vanilla investments, adds a dollop of exposure…
“There will never be a better time than now,” declares one tax attorney cited in today’s article in regards to converting your traditional IRA to a Roth IRA. And many financial planners are expressing the same sentiment. Why? The GOP tax bill reduced most rates, and converting now allows individuals to pay taxes on retirement savings at a lower rate…