The findings of a recent study suggest that “retirees tend to reduce spending once they realize they are unprepared for how quickly expenses add up.” However, the study also found that certain subsets of retirees – such as retirees with pensions – spend considerably more than average, which the author of today’s article points to as reflecting “the power of…
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…
What’s the best investment choice right now for investors who are retired or nearing retirement (and thus are looking for reliable income)? The author of today’s article notes that, while income investors turned to investments such as high-yield bonds, master limited partnerships, high-yield dividend stocks and more in recent years, “Today’s best investment choice for investors in or near retirement…
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…
How should you invest your retirement accounts? With IRAs holding about $9 trillion and 401(k)s holding about $5 trillion, that is the critical question that today’s article tackles. In seeking to answer it, the author highlights the importance of intrinsic stock value, reinvested dividends (and tax deferral), diversification – and Warren Buffett. For more on investing your retirement accounts, CLICK…
What happens if you have the bad luck to retire at a market peak, right before a brutal bear market (a scenario that many approaching retirement right now may be especially concerned about)? The author of today’s article runs the numbers to determine what effect this has on a portfolio’s value over the course of a retirement – and his…
With the new make-up of Congress post midterms, the author of today’s article advises that “future retirees should be paying close attention to retirement legislation these next few years.” She proceeds to outline what to expect in regards to pensions, Social Security and Medicare, the Obama-era fiduciary rule and retirement plans with a split Congress and Trump White House. For…