Category: Retirement Savings and Investments

Shocking Retirement Statistic: Americans Hold 58% of their Investible Assets in Cash

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 their…

retirement advice

Best Retirement Advice from Retirees: 8 Tips from an 80 Year Old Who Has More Savings Now than When He First Retired

Get the best retirement advice from retirees who really know something. 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…

Bud Hebeler’s 2017 Economic Outlook: 6 Reasons to Plan Conservatively for Retirement

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,…

transition to retirement

8 Esteemed Experts Offer Smart Strategies for the Transition to Retirement

The transition to retirement is exciting and scary.  Like all big events – graduations, relocations, marriage, childbirth, and more – life will never be the same again. To make your planning for this transformation easier, here is advice from retirement and personal finance experts. Go for Risk and Reward You have a lot of choices…

debt and inflation

Trick or Treat? The Frightening Truth About Debt, Inflation, and More

Some people are horrified by personal finance. It can be mystifying and intimidating. However, there are also many ways to profit from basic economic concepts. Halloween is both a horrifying holiday and a cute community event. Debt, inflation, high interest rates, and soaring stock prices are also both tricky and a treat, depending on circumstances.…

best retirement investments

What is the Best Retirement Investment? Target Date Funds or a Managed Portfolio?

What is the best retirement investment? A target date fund or something else? This content was originally published on RealDealRetirement by Walter Updegrave, RealDealRetirement @RealDealRetire Ask Real Deal Retirement… I’ve been putting my retirement savings into a target-date fund but want to know whether that’s a good idea or if I should consider other investments.…

financial fraud

Senior Financial Fraud is Now a $3 Billion Dollar a Year Issue

Financial fraud against people 50 and older is a growing concern. Older Americans lose $3 billion each year due to financial fraud and the average victim loses $120,000, according to AARP’s recent BankSafe report. Protect your retirement savings from financial fraud. Financial manipulation is subtle and can take place over a number of years, explains…

best retirement plans

Best Retirement Plans

Saving for retirement is not a one-size-fits-all proposition. Whether you use an IRA, a 401(k), one of the many other options or a combination of several plans, the best retirement plans for you depends on your employment status and how much you’re able to contribute. Best Retirement Plans Sometimes when we talk about the best…

Retirement planning

Retirement Experts: Lorena Brockman’s 6 Tips to Jump-Start Savings

Lorena Brockman is a blogger for JennsBlahBlahBlog.com and has notable know-how in blogging, finances, retirement, and has been deemed “Greatest Auntie Ever” by many. To learn more about Lorena, visit her company’s blog at JennsBlahBlahBlog.com. Planning for retirement isn’t something people in their 20s, or even their 30s, usually consider. Retirement can often creep up…

how much to save

Expert Interview Series: CFP Kimberly Howard on How to Save for Retirement

Certified Financial Planner Kimberly J. Howard is well-known blogger who has written on subjects ranging from 401k’s and mutual funds to debt management and saving for college. She’s also the founder KJH Financial Services in Newton, Mass. and Denver, Col. and enjoys helping clients explore and achieve their life goals through effective comprehensive financial planning.…

retirement investing

Retirement Investing: How to Balance Safety with Adequate Returns

Retirement investing can be risky, but it does not need to be a gamble. This content was originally published on RealDealRetirement by Walter Updegrave, RealDealRetirement @RealDealRetire Ask Real Deal Retirement: I have roughly $1 million saved and hope to retire in about 10 years. I’m nervous about the market, but also worried that moving out of…

Obama Retirement Plans

Obama Retirement Plan: White House to Help 30 Million Access Plans

President Obama has a plan that his administration says may help 30 million more Americans gain access to retirement savings plans. The president is expected to outline the Obama retirement plan in his fiscal 2017 budget. Currently, one-third of all working Americans do not have access to a retirement plan through their jobs, according to…

Retirement calculator

Retirement Calculator Advice for Self Employed with Irregular Income

Self employment offers surprises everyday.  New challenges and often a different income every month.  As anyone who is self employed with an irregular income knows, retirement financial planning isn’t something that comes easy when you’re just not sure from one month to the next. Today might be a boon, and tomorrow might be a bust.…

Robo advisors

Can Robo Advisors Program Wealth into Your Retirement Plan?

Robo-advisors might sound futuristic, but they’re really not as new as they sound. Robo-advisors use the same technology that’s been available to human advisors for decades, according to Investor Junkie, but it’s just now coming available to the everyday investor. Question is, can a robo-advisor help you manage your investments, or is this something that’s…

Investing in real estate during retirement

Expert Interview Series: Sonia Booker about Investing in Real Estate During Retirement

“With rents going up, there are so many upsides to consider purchasing real estate to live; and in the long run, this purchase will provide a big boost to your retirement portfolio,” explains Sonia Booker. In addition to owning and running her eponymous website, Sonia is an innovative entrepreneur, author and real estate investor. Below,…

Retirement investing

Retirement Investing: What You Don’t Know About 401ks Can Hurt You

How well do you know your 401(k) plan? If you’re like many Americans, you know more about your health insurance than this retirement savings device. Although your health is important, so is your retirement income to enjoy your good health later in life. Retirement investing takes a lot of forms, and an employer-sponsored 401(k) could…

asset allocation

What is Asset Allocation? Diversification? Rebalancing?

Asset allocation is a term that refers to the strategy you use to put your money into different types of investments. You are dividing your money across different asset classes like stocks, bonds and money market securities. Asset allocation tries to achieve the right balance of risk and reward as definedhttp://www.newretirement.com/retirement/wp-content/uploads/2015/09/iStock_000024354695_Small.jpg by your: Risk tolerance…

alternative retirement investments

A Personal Account of Investments Beyond Stocks and Bonds…

The following account of non traditional investments comes from Henry K. “Bud” Hebeler.  Bud is a frequent contributor to the Wall Street Journal, Kiplinger’s Personal Finance, Market Watch and NewRetirement.  He also runs the Analyze Now web site.  You can also link to learn more about: stocks, bonds and other traditional retirement investments or other…