Investing for Retirement

ManWithPortfolios

How To Build A Simple-But-Effective Retirement Portfolio

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I like the idea of investing my retirement savings in low-cost index funds, but trying to pick them is exhausting. Any suggestions? More»

stock-exchange-913982_640

Is Now The Right Time To Invest My Retirement Savings In The Stock Market?

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I pulled my retirement savings out of the stock market just before Brexit and then kept it out because I was worried about what might happen to stocks in view of the elections. I’d like to get back in but I’m not sure this is the right time. What’s your advice on how and when I should start getting back into the market?

More»

20000-big

Why Dow 20,000 Is A Meaningless Milestone You Can Largely Ignore

By Walter Updegrave, RealDealRetirement @RealDealRetire

The press release from S&P Dow Jones Indices made me feel as I were being briefed on a matter of great historical significance: “Good morning. The Dow Jones Industrial Average is within striking distance of 20,000. The 120-year-old benchmark of U.S. stock market performance is in territory unlike ever before in its storied history.” And for a second I was almost sucked in. But then I thought, wait a minute. Is this really a big deal? Does it affect the way people should invest the money they have in IRAs, 401(k)s and other retirement accounts—or any money at all, for that matter? No diss to the storied Dow, but I think we can hold the confetti on this one. More»

AnnuityKeyboard

Should I Invest $1 Million Of My Retirement Savings In An Annuity?

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I’m 59 years old and plan on retiring within the next year. My adviser is recommending that I invest $1 million, about 25% of my nest egg, in annuities to generate retirement income. That percentage seems high to me. Is there a rule of thumb about how big a role annuities should play in one’s retirement strategy?

More»

Binoculars-SeeFuture

The Big Lesson From 2016 You Should Apply To Your Retirement Planning

By Walter Updegrave, RealDealRetirement @RealDealRetire

In a year that witnessed one of the most divisive and wackiest presidential election campaigns in U.S. history, it’s not hard to find lessons that can apply to various aspects of your life. But when it comes to takeaways that can improve your retirement planning and investing, I think there’s one big lesson we should all draw from 2016: Don’t let the constant flow of predictions and prognostications about the markets and the economy—no matter how prescient they may seem—divert you from a comprehensive plan designed to achieve success over the long-term. More»

scrabble-resolutions

The 2 Retirement Planning Resolutions You Really Need To Make For The New Year

By Walter Updegrave, RealDealRetirement @RealDealRetire

When it comes to New Year’s financial resolutions, saving more is a perennial favorite, as Fidelity’s 8th Annual Resolutions Study shows. And that’s fine, except resolving to save ore may not be very effective if “more” still falls far short of being “enough,” or if you aren’t investing your savings properly. Which is why if you want to be really serious about making sure you’re doing all you can to achieve a secure retirement, I recommend you put these two key resolutions at the top of your list. More»