For a Quick Mid-Year Retirement Check-Up, Answer These 3 Questions

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By Walter Updegrave, RealDealRetirement, @RealDealRetire

Wimbeldon is over, the All-Star game’s history and Brexit hysteria seems to be winding down. Which leaves you with a short window before the arrival of the next big summer event—the Olympic games—to perform a quick mid-year check-up to ensure your retirement plan is on track. Answering these 3 key questions will allow you to do just that. More»

Should You Wait For A Correction Before You Get Into The Market?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

I’ve been sitting on almost $200,000 in a money-market fund for several years waiting for “the big correction.” I’m getting antsy to invest this cash in a 50-50 mix of low-cost stock and bond index funds, but since I’ve waited this long I figure maybe I should hang on a bit longer in hopes of buying when stock prices are lower. Should I wait or invest now? What do you think? More»

3 Ways To Make Your Retirement The Start of Something Big

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Fewer than than half of retirees say they are having a very enjoyable retirement, according to a recent research brief on retirement satisfaction from the Employee Benefit Research Institute. Which is a shame, considering how diligently many of us save and plan for our post-career lives. Fortunately, there are ways you can improve your odds of having a more rewarding retirement, especially if you’re willing to be creative, resourceful and a bit adventurous. Here are three: More»

Do You Really Need To Own Stocks In Retirement?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

My husband and I are retired and living comfortably on income from Social Security, a pension and other sources. We own government bonds and have FDIC-insured deposits, but no stocks. A few financial advisers have suggested we invest in stocks, but we don’t want to take risks and lose sleep. Are we crazy to avoid stocks?

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Why It’s A Mistake To Get Too Worked Up About Brexit Or Any Other Financial Scare

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Political upheaval, a major industrialized country stripped of its triple-AAA credit rating, markets around the globe reeling as investors dump stocks in panic—yes, Brexit has brought all this and more. But we’ve seen market and economic turmoil often enough before to know that just because pundits are making “end of the world as we know it” predictions, it doesn’t mean they’ll necessarily come true—or that you should react to them. Here’s a look at how we fared in three recent scares, followed by the lessons we can take from them. More»

Should You Lock In Guaranteed Retirement Income Now Or Wait For Interest Rates To Rise?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

I’m considering buying an annuity for retirement income, but I’m wary of doing so because I’m afraid interest rates will rise soon. What do you think—should I go ahead and buy now or hold off until after rates go up?

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Why You Should Avoid Offbeat ETFs And Stick To Investing Basics

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Financial firms have displayed a remarkable capacity over the years to churn out a seemingly endless stream of ETFs and other investments designed to exploit some popular trend or capitalize on a market niche. That may speak well for the industry’s marketing savvy and creativity. But if you’re looking to invest your hard-earned money for retirement or any other reason, I recommend you ignore quirky attention-getting investments and stick to the fundamentals. More»