How Much Should I Have In My Retirement Portfolio?

How Much Should I Have In My Retirement Portfolio?

At one time, companies took care of their retired employees through defined-benefit plans like pension funds. Between receiving either a lump sum or lifetime annuity from these plans, and pairing that with social security benefits, retired employees could piece together enough income to enjoy their golden years. 

Oct 21, 2022

Are Retirement Planners Worth It?

Are Retirement Planners Worth It?

Planning for a secure, comfortable retirement is a nearly universal aspiration. For most people, the idea of living in their retirement without worrying about finances is a top priority. But for many, doubt over how to achieve that goal is troubling. For example, you may have questions about your retirement assets. Do you have enough saved, and is it invested appropriately? For some investors, retirement's special tax and management challenges lead them to rely on professionals for advice.

Oct 13, 2022

How Often Should You Rebalance Your Retirement Portfolio?

How Often Should You Rebalance Your Retirement Portfolio?

Your individual tolerance for risk and investment goals will change over time. Rebalancing your investment portfolio as you age – especially as you near retirement – can help ensure that the mix of assets in your portfolio matches your risk tolerance and investment objectives.

Oct 7, 2022

How to Create a Retirement Portfolio

How to Create a Retirement Portfolio

Creating a retirement portfolio is sort of like getting dressed in the morning. Personal preference dictates that our choice of outfits won’t be the same, just as no two retirement portfolios will look the same, either. 

Oct 5, 2022

How Can I Diversify My Retirement Portfolio?

How Can I Diversify My Retirement Portfolio?

Planning for retirement is a necessary, if potentially intimidating, part of being financially savvy. Retirement preparedness varies widely among people, depending on their age, education level, and gender. Still, some recent research indicates that the status of aging Americans isn't as dire as previously thought. An interesting piece from the RAND Corporation looked at retirement readiness by taking into account expected consumption patterns rather than strictly considering income replacement and found that 71 percent of Americans aged 66 to 69 are prepared. The study did note a high disparity in preparation between married and single individuals and a distinction according to educational level.1

Oct 3, 2022

Retirement Portfolio Asset Allocation by Age: What You Need to Know

Retirement Portfolio Asset Allocation by Age: What You Need to Know

As an investor approaches retirement, their portfolio asset allocation changes. This change is due to a decrease in volatile assets. Older investors decrease portfolio volatility because they will soon start taking distributions. Taking distributions from a volatile portfolio can negatively impact investment principal and, thus, retirement income.

Sep 23, 2022

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