Retirement Investing Dilemma
Bob Richards Bob Richards–Marketing and Financial ServicesThere’s a terrible problem in retirement investing that concerns how much risk you should take with your retirement funds. It’s a seemingly unsolvable financial conundrum of investing in retirement. Let’s take a closer look. On the one hand, you’d like to put all your retirement funds in the bank and keep it safe and secure in FDIC insured [...]
A fixed Term SPIA Makes Great Retirement Financial Sense
Bob Richards Bob Richards–Marketing and Financial ServicesA guaranteed revenue may lower your retirement financial pressure and allow you a less-panicked strategy to retirement investing. Without any pension, you may be relying on Social Security as the solely guaranteed retirement income stream. Buying a life annuity may assure that additional revenue and makes excellent retirement financial sense in case your assets [...]
How to Plan For Retirement When You Haven’t Started
Bob Richards Bob Richards–Marketing and Financial ServicesWouldn’t it be great if you can just place cash in to a savings account every week and that was the extent of your retirement plan? You’d certainly not have to be concerned with whether or not your cash had been invested properly or if the next stock market crash would dash your retirement [...]
How to Plan For Retirement When You Haven't Started
Bob Richards Bob Richards–Marketing and Financial ServicesWouldn’t it be great if you can just place cash in to a savings account every week and that was the extent of your retirement plan? You’d certainly not have to be concerned with whether or not your cash had been invested properly or if the next stock market crash would dash your retirement [...]
Bond Funds – a Retirement Investing Sucker Deal
Bob Richards Bob Richards–Marketing and Financial ServicesBond funds are a poor investment–for anyone. A bond fund is a collection of bonds but as soon as bonds are placed in a fund, they lose their most attractive characteristics for retirees. The features that make bonds attractive retirement investments are: 1. A known maturity date. You know exactly how long your funds [...]
Categories: bond funds Tags: retirement investing
Invest for Retirement- The Right Way
Bob Richards Bob Richards–Marketing and Financial ServicesYou mess up your own retirement investing While it seems that the economy, interest rates or the stock market has much to do with your retirement financial success, your own actions may account for more of your success or lack thereof, then you care to admit. Morningstar, the well known mutual fund research firm, [...]
Categories: retirement investing Tags: invest for retirement, retirement investing
Retirement Investing During Deflation
Bob Richards Bob Richards–Marketing and Financial Services If a recession becomes severe, dollars may suffer from deflation rather than inflation. This would change the rules you have for retirement investing over the past 30 years. What should retirees consider doing if deflation sets in? We’re familiar with the effects of inflation. Our dollars just don’t buy as much as they [...]
Categories: retirement investing Tags: deflation, retirement investing
Bond Investing for Retirement
Bob Richards Bob Richards–Marketing and Financial ServicesWhat Happens to Bondholders When a Company Goes Bankrupt? Seniors and retirees like bond investments because they provide a steady income, diversify a stock portfolio, and are backed by the issuer’s financial strength. But things don’t always go as planned. Companies occasionally have financial problems and must file for bankruptcy as you well know. Investors holding [...]
Categories: bonds Tags: bond investing, retirement investing
Pre-Retirement Planning: What Seniors Need to Know
Bob Richards Bob Richards–Marketing and Financial ServicesThere are three big areas on which to focus your attention in your pre-retirement years. Sufficient Retirement Capital You likely need more than you think to provide sufficient retirement income. There are lots of ‘rules of thumb’ you may hear like ‘you need 70% of your pre-retirement income. Don’t rely on these simplistic rules. [...]
Categories: retirement planning Tags: pre-retirement planning, retirement income, retirement investing
