Retirement Income

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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Mistakes

3 Major Errors That Can Derail Your Retirement Planning

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»

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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WalletOpen-ControlSpending

Why High Stock Prices May Mean Less Income In Retirement

By Walter Updegrave, RealDealRetirement @RealDealRetire

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»

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Where Should I Invest For A Safe High Return?

By Walter Updegrave, RealDealRetirement @RealDealRetire

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»