The Single Biggest Threat To Your Retirement

FINGER POINTING

By Walter Updegrave, RealDealRetirement, @RealDealRetire

There’s no shortage of things that can jeopardize your retirement security. Market slumps, job layoffs, medical expenses, an unanticipated spike in inflation, unexpected financial obligations…the list goes on and on. But as scary as these threats may be, they don’t represent the biggest danger to your retirement security. That would be… More»

Do You Know Your Retirement IQ? Take This Test

By Walter Updegrave, RealDealRetirement, @RealDealRetire

Head-brain

Do you know what you’re doing when it comes to retirement planning? Or are you winging it?  To see how much you really know about preparing for retirement—and pick up some tips that can help you improve your retirement prospects—check out this 10-question quiz. More»

Should You Freak Out If the Market Melts Down?

By Walter Updegrave, RealDealRetirement, @RealDealRetire

WOMAN-hair raising-freakout

 

It seems that every time the stock market hits a new high these days—or retreats from one—we hear rumblings of a potential crash. In an interview last week after the Standard & Poor’s 500 hit yet another peak, Yale professor Robert Shiller noted that stock valuations were near levels that preceded meltdowns in the past and thus were “a cause for concern.” But if you’re investing for retirement, should the prospect of a bear market give you a serious case of the jitters? More»

Want To Plan Better For Retirement? Dial It Back, Mr. Know It All

By Walter Updegrave, RealDealRetirement, @RealDealRetire

ThumbsUp-3

Confidence can be a powerful force. RAND Corporation researchers have found that people who felt confident—even if their assurance didn’t square with how much they knew—were more likely to plan for retirement than those who were more tentative. But when confidence morphs into overconfidence, it can do more harm than good. More»

Are You Diversifying or Di-worse-ifying?

By Walter Updegrave, RealDealRetirement, @RealDealRetire

Overdiversifying-TooManyChoices

Despite what many Wall Street firms and advisers may suggest, you don’t need to stock your portfolio with an ever-expanding array of funds and ETFs to navigate today’s global financial markets. In fact, such a portfolio may do more harm than good. Here’s how to tell whether you’re diversifying or di-worse-ifying. More»

More Sex—And 3 Other Tips For A Happier Retirement

By Walter Updegrave, RealDealRetirement, @RealDealRetire

Title - Ned Colovic Insurance & Financial Services Ltd., Windsor, Ontario

What makes for a more satisfying retirement? Financial security, sure. But a happy retirement isn’t just about the bucks. There are also nonfinancial moves you can make prior to and after leaving your job that can help you better enjoy retirement. To find out what you can do to increase your odds of having a more joyful retirement, read on. More»

5 Tips For Tapping Your Retirement Nest Egg

By Walter Updegrave, RealDealRetirement, @RealDealRetire

$100Bills-NotAllAbouttheBenjamins

It used to be that if you wanted your nest egg to carry you through 30 or more years of retirement, you followed the 4% rule: you withdrew 4% of the value of your savings the first year of retirement and adjusted that dollar amount annually for inflation to maintain purchasing power. But that standard—which was never really as simple as it seemed— has come under a cloud. More»