Supplemental Retirement Income Options – Educational Articles

Below you'll find our valuable articles on many different supplemental retirement income options:

CDs are often considered a safe way to invest. But there are many types of CDs and the lesser known types can be useful supplemental retirement income options. Here are two articles on CD choices.

• Investment Options for Income Planning Getting the Best Return on Your CDs
• High Yield FDIC Insured CD

Immediate annuities are little understood as a supplemental retirement income option. These articles shed light on the opportunity.

• Annuities as Retirement Income Vehicle
  
• Immediate Annuities
• Health-adjusted SPIAs—Poor Health Can Be a Factor in Producing More Income
• An Old Source of Income With a Modern Twist
• The Immediate Annuity Solution to Long Term Care

For supplemental retirement income, preferred shares are not as popular as bonds among retirees but they should be. They often pay 1% more than the bonds of the same issuer and if a "true" preferred share, offer reduced taxation at the 15% rate (2008).

• Preferred Stock
• The Alphabet Soup of Preferred Stock
• Income Trusts
• Giving to Charity and Providing an Income Source
• Federally Backed Mortgage Notes
• Closed-end Income Funds
• Structured Notes
• Reverse Mortgages

We hope you found these articles helpful for adding to your knowledge of many other ways to supplement your retirement income. You may be surprised that your stockbroker or financial planner has not mentioned these options. It could be because of their lack of knowledge or bias toward certain solutions. A comprehensive retirement advisor is however familiar with all of these options. This is why you should always seek the opinion of a qualified advisor, someone trained in working with retirees, who can help you explore the best supplemental retirement income plan for you.

While there is a general misunderstanding that "the higher the return, the higher the risk," this is often not true. In many cases, investors have portfolios that are performing so far below its potential, that a retirement advisor is able to increase returns without increasing risk. In fact, through proper diversification, it may be possible to enhance income and reduce portfolio risk.

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