Investing for Retirement

ManWithPortfolios

If You’re Not Rebalancing Your Portfolio, You May Be Putting Your Retirement At Risk

By Walter Updegrave, RealDealRetirement @RealDealRetire

Rebalancing is a time-honored way to manage investing risk and smooth out some of the ups and downs in the value of your nest egg on the journey to and through retirement. Unfortunately, many investors aren’t taking advantage of this simple-but-effective technique. For example, a recent Wells Fargo/Gallup survey found that less than half of investors bother to restore their portfolio to its target stocks-bonds mix at least once a year, and 30% claimed they’d rather be stuck in traffic for an hour than rebalance.

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ManWithPortfolios

How To Invest For Lifetime Income AND Long-term Growth

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I’m considering rolling my retirement savings into a lifetime annuity because I like the idea of a guaranteed payment. But I also wonder whether I’d be better off just putting some of my savings into a low-risk account for living expenses and then investing the rest in a diversified portfolio of stocks and bonds. What do you think?

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Annuity

How To Tell If You’re A Good Candidate For An Annuity

By Walter Updegrave, RealDealRetirement @RealDealRetire

Funny thing about annuities. People love them in concept, but they aren’t nearly as enthusiastic when it comes to actually buying them. For example, a recent survey by the Insured Retirement Institute and Jackson National Life Insurance Company found that while more than 90% of people 65 and older said they were very or somewhat interested in lifetime income, only one in four planned to buy an annuity, the only investment that can provide guaranteed income for life.
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BudgetWorksheet

The Best Ways To Save And Invest For Retirement On A Tight Budget

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

My husband and I are in our early 40s and have two children. We live paycheck to paycheck, although we do manage to contribute a small percentage of pay to our 401(k)s. What are good retirement investments for someone without a lot of money?
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moneybagman-dollarsign

The Right Way To Save And Invest To Build Wealth

By Walter Updegrave, RealDealRetirement @RealDealRetire

Ask Real Deal Retirement

I’m just starting out in my career and have managed to save up $1,500 dollars so far. I want to start saving more and invest it in a way that can best put the benefits of compounding investing to work for me. Any suggestions? More»

AnnuityTarget

How To Get The Best Deal On An Annuity

By Walter Updegrave, RealDealRetirement @RealDealRetire

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?

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