3 Major Errors That Can Derail Your Retirement Planning

Mistakes

By Walter Updegrave, RealDealRetirement, @RealDealRetire

If you’ve been saving diligently and investing prudently for retirement, that’s terrific. But it’s not enough. Even people who get the fundamentals right often fall down when it comes to other key areas of retirement planning. Which is why you want to avoid these three big mistakes that new research shows can often trip us up and undermine our retirement planning efforts. More»

How To Get The Best Deal On An Annuity

By Walter Updegrave, RealDealRetirement @RealDealRetire

AnnuityTarget

Ask Real Deal Retirement

I’m 65 and my financial adviser is recommending I put some of my retirement savings into an immediate annuity. But the payment he quoted me seems low. How do I know if this is a good deal and how do I avoid investing when interest rates and annuity payments are at a low point?

More»

Why High Stock Prices May Mean Less Income In Retirement

By Walter Updegrave, RealDealRetirement @RealDealRetire

WalletOpen-ControlSpending

The bull market of the past eight and a half years has pushed stock prices to record levels, boosting retirement account balances in the process. But new research shows that for anyone who’s retired or about to call it a career there may be a downside to the market’s big run-up : namely, today’s inflated stock values are expected to lead to far more modest investment gains in the years ahead, which could means retirees will have to withdraw less from their nest egg if they want to avoid outliving their savings. More»

Where Should I Invest For A Safe High Return?

By Walter Updegrave, RealDealRetirement @RealDealRetire

stock-exchange-913982_640

Ask Real Deal Retirement

I’m 65 and have about $275,000 in retirement accounts. I’d like to invest my money safely, but also make the most return. What do you suggest? More»

New Research Shows Millennials Do A Much Better Job Investing Than They’re Given Credit For

By Walter Updegrave, RealDealRetirement @RealDealRetire

YoungWomanWateringMoneyTree

The accepted narrative when it comes to Millennials and investing is that they just don’t get it. They’re too likely to hunker down in cash, too scared of stocks and just too conservative for their own good. But recent research, including a new report based on how Millennials actually invest their money for retirement, suggests the conventional wisdom is wrong, and that Millennials appear to be doing a good job when it comes to investing. More»

How To Create A Simple-But-Effective Retirement Income Plan

By Walter Updegrave, RealDealRetirement @RealDealRetire

BudgetWorksheet

When I retire, I plan to invest half of my nest egg in a Standard & Poor’s 500 index fund and the other half in a total bond market index fund and then withdraw 3.5% each year adjusted for inflation. Is this a retirement income plan that will work? More»

Is Now The Right Time To Move A Big Chunk of Cash Into The Market?

By Walter Updegrave, RealDealRetirement @RealDealRetire

Newspaper Financial Page

Ask Real Deal Retirement

I’m newly retired and have $300,000 additional cash to invest beyond the $700,000 I already have in a portfolio of stocks and bonds. But right now doesn’t seem like the best time to put a lump sum into the market. Any suggestions?

More»