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…
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…
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…
If you’re planning on retiring this year – or in the next few years – the author of today’s article warns that there are some “potentially market changing events” that could throw a wrench into those plans – and he proceeds to detail three to be cognizant of. The first could come as early as April, the second involves a…
In 2013 the author of today’s article made a move that was considered irresponsible at the time and added bitcoin to the alternative investment portion of his retirement account. He then proceeded to lose half of his investment in an ensuing price drop – and called “stupid” for this investment blunder. However, he held onto his position in bitcoin and…
The author of today’s article calls it “the biggest demographic tidal wave ever to sweep the U.S.”: the retirement of the baby boomers. And within that massive trend is another significant trend that investors can cash in on: the boomer rental wave, as boomers drive demand for rental units. The author proceeds to highlight three real-estate investment trusts “with buildings…
The importance of diversification in financial planning is constantly emphasized – and generally accepted. However, the author of today’s article notes that “when you look at those who achieve the greatest wealth or have the greatest impact, virtually none of them ever diversify…or at least, not throughout most of their years.” He proceeds to examine how different diversification strategies –…
The single biggest risk you face in retirement may be that you will outlive your nest egg – and the author of today’s article warns that Wall Street’s solution to this risk – the 4% withdrawal rule – is fatally flawed. Instead, his solution is to “build a retirement portfolio with an outsized dividend yield.” Why does he argue that…
For retirees looking for income streams, today’s article highlights a trio of energy stocks to consider. Not only does each of these stocks pay an above-average yield but, more importantly, the author notes that the dividends are low risk as the businesses in question all generate predictable cash flows, have strong balance sheets, can cover their current dividends with room…