“The challenging task of getting decades’ worth of savings to last a lifetime can be made more manageable with a single product: an income annuity,” notes the author of today’s article. However, despite this, income annuities have yet to really catch on with investors. Given this, the author proceeds to outline who may benefit from an income annuity (and who…
“The American dream of a modest retirement after a lifetime of work now is a middle-class nightmare.” So concludes the author of a recent report from the National Institute on Retirement Security – and the author of today’s article expands on this conclusion, looking at just how retirement in America has gotten to this unfortunately place and how, “If the…
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.
It has been 10 years since the housing crash of 2008, the fallout from which decimated the retirement accounts of many – and now one financial security expert is warning that “the danger of another crisis lurks despite assurances to the contrary.” She cautions that “The massive regulatory response to the subprime crisis meant that banks were no longer allowed…
The problem with investing and saving for retirement, according to the author of today’s article? “People are “psychologically ill-equipped” to invest in risk assets, even if they need to do so. They also don’t save very much for retirement, possibly because they don’t think they need to yet or because they can’t afford it.” This is where behavioral finance can…
When it comes to utility stocks, the author of today’s article notes that “Retirees have been favoring these stocks for years…and they have been handsomely rewarded.” But is it time for retirees to adjust their stance on utility stocks and look elsewhere for income? That’s the recommendation of the man behind a top-ranking newsletter. Why? And, if not utilities, which…
Are 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…
Despite the volatility associated with the oil industry – and the fact that oil prices have once again crashed into a bear market – the author of today’s article points out that there are still solid picks in this area for conservative investors, including retirees. He proceeds to highlight three blue-chip oil stocks with “attributes that make them high-yield retiree…
What are the biggest sources of financial regret among Americans who have retired or are nearing retirement? A recent study examined just that – and today’s article outlines its findings. More specifically, the author highlights ten “retirement killers” the study identified “that might not be so obvious in advance.” For these ten retirement killers – “and the probability that each…
As market volatility picked up in October, so did the daily trading activity in 401(k) plans – with one analysis finding that the daily trading activity in 401(k) plans was more than double the normal level during this period, as investors abandoned equities and fled to fixed income. But retirement investors may be increasing their risk of a “retirement fail”…