Retirement Savings and Investments

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 defined by your: Risk tolerance…

It is unsure what the financial markets will do in 2022, but there is evidence that people are looking for alternatives to the stocks. Recently on the NewRetirement Facebook group, Mary asked a question about alternative investment companies: “Anyone have experience with Fundrise, Crowdstreet, Yieldstreet, PeerProsper or any other alternative investment companies? Responses to the…

One of the beauties of living in the United States is that we have no shortage of money making schemes available to us. The problem is that there is a lot of complexity and inefficiency and some scams to avoid while finding great ways to grow our savings. And, while all investments involve risk, non…

Saving for retirement is hard.  Knowing how to invest and manage your retirement savings might be even harder — and more important.  The good news is there are increasingly new and better tools to help individual investors make good choices and automate the management of funds at a low cost. Here is a guide to…

The following account of charitable giving 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. Over my 26 years of retirement, I must have done some things right because I have been able…

Saving for retirement is critical and investing those assets efficiently is important.  However, that is not the end of worries for retirement cash flow and security. When you retire, you have a new problem to be concerned with: how much can you withdraw each year without running out of money. The common rule of thumb…

The saying: “what goes up, must come down,” is not always true of the stock market over the long term.  But when stocks fall in the short term, it is particularly troubling for those of us who need money for retirement. The financial crisis that started around 2008 severely impacted the retirement security of many…

Where would you look for retirement planning advice if you could talk with anyone at all? Would it be a trusted friend or family member, or maybe a celebrated financial advisor? USA Today Personal Finance Editor, Rodney Brooks, couldn’t ask his most trusted friend and relative – his father – so he set out to…

Amanda Abella is a bestselling author, a business coach to millennials, and the creator of the Make Money Your Honey coaching process. She offers the free 5 Ways to Stop Sabotaging Your Chances of Making Money course on her website. Recently, she spoke with us about how and why retirement is something that millennials should…

“An individual should start to build their retirement nest egg by saving money immediately!” says King Kovacs. Mr. Kovacs of Mutual Interest Data Service, Ltd. follows this up by offering practical advice to help you get started on retirement funding today. Here, he discusses what mutual funds need to offer, what millennials need to know…

By the time you hit retirement you should be able to kick up your feet, go on that vacation you’ve always wanted, or buy that dream house—not stress over your financial portfolio. While there are many fantastic financial tools that can help ensure a fruitful retirement, there are also certain investments that may cause more…

Do you feel like you don’t have enough saved for retirement? This can be a scary thought, especially if you are getting closer to retirement age. If you waited too long to start saving for retirement, you are not alone. One survey from Transamerica shows that 81% of Baby Boomers waited longer than is suggested…

A comfortable retirement won’t happen by accident. It requires an active decision from the potential retiree to seek expert advice and evaluate their financial standing. But what does that look like? To better understand the process of saving for sustainability, NewRetirement spoke with Benoit Poliquin. Benoit is the Lead Portfolio Manager and President at Exponent…

In today’s uncertain economic climate, many new retirees are worried about outliving their pensions and retirement plans. In fact, 46% of investors in the United States are worried of running out of money in retirement, according to a Wells Fargo/Gallup survey from 2014. In light of an uncertain Social Security system, changing industries, and roller…

Your retirement goals aren’t like anyone else’s, but you can still use guidelines to help find the right plan. We all know that saving is important, whether we’re just starting out or growing close to retirement age. What a lot of us don’t know is “how much do I need for retirement.”  Is my plan…

Even if your earnings aren’t what you’d like, you can still save toward a healthy retirement. Planning for retirement isn’t a luxury that only the wealthy can afford. In fact, the less we earn the more important our retirement savings becomes to our futures. While we need our income now for day-to-day essentials, we’ll need…

For better or worse (or a little bit of both), the economic climate has irrevocably shifted in the last 15 years, and it’s not likely to stop anytime soon. The average employee tenure for a position is 4.6 years, according to The Bureau of Labor Statistics’s January 2014 report, instead of working for the same…

Sometimes simpler is better. While we may appreciate complexity in our sports cars, our flavor palates, even our stock portfolios, understanding those portfolios should not be complicated. This is the main premise that inspired Jon Petersen to start the blog Novel Investor, where he investigate the nuanced, intricate world of finances and reports on his…

Joshua Rodriguez, partner at CNA Finance, says the most common question he gets about retirement is, “When is the best time to start investing?” “The best answer I can give to that is the first day you get an allowance from your parents; so, if you haven’t started already…you’re a bit late!” he says. On…

The best way to retire the way you want to is to educate yourself. Jaime Raskulinecz of Next Generation Trust Services says individuals should take advantage of retirement professionals who are trained to help people from all backgrounds retire the way they want to. Here, Raskulinecz shares some tips about self-directed retirement for those interested…

As a certified financial planner and finance expert with Burgeonvest Bick, John DeGoey has spent decades working with everyday people to figure out how to retire with a nest egg that’ll cover their needs. John was kind enough to share some insights with us about retiring – and how to do it right. What’s the…

Ten years ago, most people wouldn’t have thought to question stock market investing as a form of retirement. However, in 2008 and 2009, we watched as good people lost their retirements to bad investments. Since then, the market has recovered quite a bit, but it’s still a volatile place, leading to concerns for investors with…

As you approach retirement, you are often faced with difficult financial decisions that may affect your nest egg. For those retirees and soon to be retirees with children or grandchildren, you may find yourself having to choose between contributing to your own retirement account or paying for your child’s college tuition. If you have found…

Employer-Sponsored retirement savings plans, such as a 401(K) or IRA, help you prepare for the future. But are you using yours as effectively as you could? Saving less than you’re allowed or not taking full advantage of a 401k employer match plan at all could leave you unprepared once retirement rolls around. The good news…