“Instead of worrying about how far share prices will fall or how widely the coronavirus will spread, think about the opportunities,” advises the author of today’s article, who proceeds to outline four opportunities he sees currently – including an opportunity for retirees who need cash from their homes. For more, CLICK HERE
What is the more important investment decision when it comes to your retirement portfolio: asset allocation (how much to allocate to various asset classes) or security selection (which specific securities to purchase to fulfill your asset allocation)? For many investors – and retirement planners – the answer has long been the latter (security selection), but a new study suggests that…
In the current era of low rates, the author of today’s article notes that “Stocks will have to do the heavy lifting of funding your retirement”. But will they be able to do so – or will unexpectedly low returns put you at risk of running out of money during your retirement? The author looks at what the most reliable…
You’ve probably heard of dollar-cost averaging (investing a fixed amount of money at regular intervals over a long period of time to minimize the impact of volatility), but what about “dollar-cost ravaging”? The strategist interviewed in today’s article sees dollar-cost ravaging as a problem that can cause a lot of damage to the portfolios of retirees – especially in the…
It may be a nice problem to have as a retiree, but it’s still a problem: what do you do with your required minimum distributions (RMDs) from your retirement accounts – which, as their name indicates, are required – if you don’t need the money for living expenses? Today’s article outlines a number of strategies, from QCDs to QLACs, to…
You may have a will in place, but what about a power of attorney, an advanced directive, or a financial plan? A recent survey found that few people actually use these tools that the author of today’s article argues “are so important for successful lives” – and which can ease financial and retirement worries. He proceeds to outline how to…
Among the three stocks highlighted in today’s article as being strong candidates for a spot in your retirement portfolio is a stock that seems to possess everything a retiree could possibly want in a stock: a generous dividend, stability, a discounted share price and a respectable rate of earnings growth. For the stock in question – and the two other…
“The riskiest day in your entire financial life is the day you retire,” declares one investment manager cited in today’s article, which examines the critical conundrum that retirees face today: “How to invest in retirement with enough risk to maintain your purchasing power for 30-plus years while not taking so much risk that you leave your underbelly exposed.” So what…
“Never overlook the pernicious and toxic impact of inflation over periods as long as retirement,” warns the author of today’s article. He outlines why inflation over the next several decades could actually be significantly higher than currently assumed – and how, if that proves to be the case, it would make inflation-indexed annuities (or real annuities), generally considered very expensive,…
Given the fiscal state of the Social Security system, the author of today’s article advises that, when it comes to financing your retirement, “You have to assume you’re not going to get much help from our government, you’re not going to get much help from your employer, and your financial future is all up to you. And that means you…