When it comes to funding his retirement, the author of today’s article intends to do it with the dividend income his equity portfolio generates, noting that “Dividend payments are more stable than share prices and the potential for capital gains, which makes them an ideal source of income for retirement. Historically, US dividend growth has exceeded the rate of inflation.…
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…
How do you keep your retirement from becoming compromised due to a decline in the stock market close to your retirement? This is the question the author of today’s article gave some thought to after his uncle, who is planning on retiring in 2019, lost around 30% of the value of his portfolio in a matter of weeks thanks to…
Today’s article outlines how an initial investment of $300,000 in six specific funds (from “an obscure corner of the market”) can create a significant, reliable income stream for retirement. Specifically, “this portfolio has a 7.9% yield, meaning our $305,000 initial investment is going to give us $24,000 in annual income—that’s $2,000 per month!” Moreover, these six funds offer growth in…
Noting that the two most important factors for those on the verge of retirement are income and stability, the author of today’s article states that “a soon-to-be-retiring person can maintain a perfect stock portfolio with the help of strong organizations that pay substantial dividends” – and he proceeds to highlight nine companies that fit this profile. For these nine dividend…
Despite an awful lot of prognostications, nobody knows for sure when the next bear market will be. What is known, however, is that the five major stock bear markets of the past 45 years wiped out 40% of the stock market’s value on average – and, as today’s article notes, “in the two most recent bear markets, you would have…
Can you afford to lose 30% (or more) of your retirement savings in the event of a market crash? If your answer is no, the author of today’s article – who believes a recession is coming within the next year – urges you to add gold to your portfolio, pointing out that, while “stocks and bonds have been in a…
While the years right before – and just after – retirement can play an especially critical role in one’s financial security in retirement, the author of today’s article points out that “a number of planning steps and strategies arise in the decade or so before retirement—that is, in one’s 50s usually—that can have a big impact before the start of…
After an extended period of near record-low volatility, the market has seen a number of marked declines in recent weeks. Market declines can be terrifying – especially for those just starting retirement. As the author of today’s article notes, “retirement success is influenced by the returns that an investor earns when their portfolio is largest (presumably right at retirement). Therefore,…
Much of the market volatility of late has been the result of concerns over inflation creeping up – and the prospect of the Federal Reserve continuing to raise interest rates in response. The author of today’s article looks at what rising rates mean for your money, depending on the positioning of your portfolio in terms of bonds and stocks. Will…