The One Investment You Need Most For A Successful Retirement

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By Walter Updegrave, RealDealRetirement, @RealDealRetire

Whether you’re still building your nest egg or tapping it for income, you need to re-evaluate your investing strategy in light of lower projected investment returns in the years ahead. The upshot: Unless you’re putting most of your money into low-cost index funds and ETFs, you may very well be jeopardizing your shot at a secure retirement. More»

3 Ways To Rescue Your Retirement If You’ve Fallen Behind

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

I’m in my late 50s and not as prepared for retirement as I’d like to be. I have the equivalent of about one year’s salary saved in my 401(k) and that’s about it. What can I do improve my retirement prospects?

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4 Retirement Mistakes That Can Cost You $250,000 Or More

By Walter Updegrave, RealDealRetirement @RealDealRetire

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We tend to think the mistakes that derail retirement are the ones that are inflicted on us: an investment that implodes; an adviser who dupes us; a market crash that decimates our nest egg. In fact, the costliest errors are ones we make ourselves, often without realizing how much damage we’re doing. Here are four of the biggest, plus tips on how to avoid them. More»

Am I Investing Too Aggressively For This Market?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

I’ve got about 80% of my retirement savings in stocks and 20% in bonds and cash. Over the past five years this asset mix has served me well, but given how much stocks have risen, I’m considering re-allocating to a more moderate portfolio. What do consider an appropriate stocks-bonds mix for today’s market?

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Can I Create My Own Pension Annuity?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Ask Real Deal Retirement

Whenever I read about annuities, I wonder why you can’t create one on your own without an insurance company. Just invest your money conservatively and then watch your expenses so you don’t blow through your savings too soon. Wouldn’t that plan work just as well, if not better, than an annuity?

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3 Ways To Be Sure You’re Not Fooling Yourself About Your Retirement Readiness

By Walter Updegrave, RealDealRetirement @RealDealRetire

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Are you on track toward a secure retirement? Before you answer, consider this: A new study shows that many people who aren’t preparing well for retirement apparently think they are—while others who actually are on track may erroneously believe they’re not. Here are three things you can do to make sure you’re being realistic about your retirement readiness. More»

4 Tips For Finding The Right Financial Adviser

By Walter Updegrave, RealDealRetirement @RealDealRetire

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For years the Securities and Exchange Commission and Department of Labor have been yakking about coming up with ways to better protect investors from adviser conflicts of conflicts. And who knows, maybe they’ll get around to doing so in our lifetime. In the meantime, here are four tips to help you find a pro who’s competent, honest and willing to work for a reasonable fee. More»