“As the major stock indexes have, one-by-one, broken through their previous record highs in recent months, it has been interesting to observe that the dominant reaction among many investors has not been one of celebration but, rather, anxiety.” While the above may sound like current events, it’s actually an excerpt from an April 2013 client letter….
Retirement Savings and Investments News, Information and Guidance
Saving for retirement is hard. However, when you are still working, creating a retirement investment plan can be comparatively straightforward. The goal is to simply grow the money. But watch out! When you retire, your investment goals become multi faceted, layered and — let’s face it — down right complicated. You still want your money…
Retirement savings advice often revolves around the long term: save small amounts on a regular basis over many years, and you will be able to save a sizeable nest egg. But what if you need to make up for lost time? What if you find yourself nearing retirement and just want to give that nest…
Of all the tactics you can use to achieve a secure retirement, one of the easiest things you can do is to invest your money and earn returns on that investment. Doing this requires virtually no sacrifice, compromise or a lot of work. However, a new study from BlackRock finds that Americans hold 58% of…
A retirement target date fund is a kind of mutual fund that is professionally managed and strategically reallocated over time to achieve both growth and security for your assets. The key goal for a target date fund is that your money will be available for withdrawal on a certain future targeted retirement date and beyond. So,…
Retirement advice and how it is implemented can have a profound impact on your retirement lifestyle and the estate you might leave behind. Here Henry K. “Bud” Hebeler outlines concepts that helped him not only achieve a secure retirement but also be better off now than when he first retired. Get more from Bud at…
The following on 2017 economic outlook comes to us from Mr. Henry K. “Bud” Hebeler. Bud has been working with retirees for many years, developed special material for their use, and given numerous seminars on retirement. His current focus is dissemination of sound financial planning information that applies to a wide range of personal investment,…
Could a retirement bucket strategy make it easier to manage savings after you retire? If you think that managing retirement investments is difficult when you are working, we have some bad news: it gets much harder when you actually retire. Once retired, your investments need to not only grow but also fund your lifestyle and…
If you have company stock in a 401(k), you will want to learn about Net Unrealized Appreciation (NUA) and how to minimize taxes when you rollover these funds to an IRA. Should You Rollover? Once you leave a job, or reach age 59 ½ you have the option to move your 401(k) into an Individual…
For those approaching retirement or already there, the question of how to invest our money to maximize returns while minimizing risk is at the heart of many of our financial concerns. With so much out of our control and so few clear answers, retirement investment questions can keep you up at night. Here are a…
