“I think there should be a big difference between a retiree portfolio and a retirement portfolio,” argues the author of today’s article, noting that, while a retirement portfolio (held during the pre-retirement accumulation phase) should focus on growth first and foremost, a retiree portfolio (held in retirement) requires a shift in focus to income generation and lower volatility. He proceeds…
If you have a 401(k) you are probably invested in gun stocks – and in the wake of the Parkland, Florida school shooting and the ensuing debate over gun control, some 401(k) participants are looking to take a stand by divesting from such stocks. Today’s article outlines some considerations for individual investors before making such a move, including what options…
In considering how the new tax law affects your finances, the author of today’s article advises not to neglect its potential impact on your life insurance, noting that the “Tax Cuts and Jobs Act made significant changes that impact the use of life insurance as an estate protection vehicle and modified the tax ramifications of selling a life insurance policy…
“Basically, retirees, whether they and their advisors realize it or not, are staring four problems squarely in the face: historically high stock valuations, low bond yields, increased longevity, and increasingly expensive health care,” states the author of today’s article in regards to the four problems that one financial advisor is calling “the four horsemen of the retirement apocalypse.” He proceeds…
While the author of today’s article believes that the bull market still has room to run, he advises that “it’s time for investors to think about how and when bull markets end, and what performs well during their twilight years.” He proceeds to examine groups that tend to do well in the late stages of a bull market, and highlights…
Is a financial crisis coming – and, if so, how can you protect your retirement savings before the economic implosion occurs? These are the issues tackled in today’s article, where the author warns of the possibility of a coming financial crisis as a result of “asset price bubbles, misplaced credit and excessive debt on a global scale.” Will the U.S.’s…
Exchange-traded funds may have exploded in popularity over the last few years, but that surge in popularity has varied greatly by generation. Today’s article notes that boomers have not embraced ETFs to the extent that millennials – or even the oldest generation of investors – have, with one study finding that only 27% of boomers aged 52 to 70 with…
After sitting at near-record lows for quite some time, market volatility is back – and investors are contending with the question of what this means for them. Older investors nearing retirement (and who don’t have the luxury of time on their side) may be feeling especially anxious. On top of that, there is the question of where to turn for…
The 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…
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…