Investing for Retirement

Pension

Don’t Have A Pension? Here’s How To Build One On Your Own

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I had a choice to take my pension as a lump sum or lifetime annuity payments and I opted for the lump sum. Now I feel like it was the dumbest decision of my life. I think I’m looking at a long retirement, and I’m just not very confident about investing in today’s market. Any advice for what I should do now?

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Vanguard (Yes, Vanguard!) Says Investors Can Beat The Market—But Should You Even Try?

By Walter Updegrave, RealDealRetirement @RealDealRetire

While surfing the web the other day I came across an article on Vanguard’s website titled “Beat the Market Long-Term? Yes, It Can Be Done.” At first I thought I must have stumbled into some bizarre reverse universe, an upside-down world where everything you thought you knew has been turned on its head. After all, this was Vanguard, the Emperor of Index Funds, saying that investors can identify in advance actively managed funds that can outperform their benchmarks over long periods, and then suggesting ways to improve one’s chances of identifying the funds that can pull off this feat. But can individual investors apply this advice in hopes of selecting funds that can beat the market? I’m dubious. More»

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Do You Really Need To Invest In Bonds?

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

As I see it, bonds aren’t a good investment. Interest rates are lower than they should be, and if rates rise and inflation picks up, bonds will take a beating. Then again, I think stocks are risky too, so I feel like I’m damned if I do invest in bonds and damned if I don’t. What’s an investor to do?

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Why Dollar-Cost Averaging Is A Lousy Retirement Investing Strategy

By Walter Updegrave, RealDealRetirement @RealDealRetire

Let’s say you’ve got a large sum of cash you want to invest for retirement—a windfall, an inheritance, a pension payout, whatever—but you’re worried the market might tank just after you pull the trigger. What do you do? Chances are you’ll go with the strategy countless financial advisers (not to mention many of my colleagues in the financial press) recommend in such instances: You’ll dollar-cost average, or move your money into investments a little at a time. But a new study by Vanguard shows the smarter play is to take the plunge and invest all at once. More»

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How Should I Invest If I Can’t Handle Another Downturn In The Market?

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I’ve always invested in stocks, but now that I’m nearing the end of my career I find the stock market way too nerve-wracking, and I just don’t feel I can handle another drop in stock prices. How I should invest?

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Don’t Let “Trump-O-Mania” Divert You From Your Retirement Strategy

By Walter Updegrave, RealDealRetirement @RealDealRetire

Trump, Trump, Trump, Trump. Trump. Everywhere you turn these days people are hypothesizing about ways a Trump administration might affect your retirement prospects. But while this unrelenting focus may be understandable (and even possibly helpful), it can also be a bothersome distraction perhaps even enticing you to make moves you may later regret. Here’s how to put “Trump-o-mania” in perspective and keep your focus on preparing sensibly for retirement. More»