Archive - March 31, 2011

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8 Tips To Reach Your Retirement Goals
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Are Variable Annuities a Good Investment?
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How Much of Your Assets Should Be Invested In Your Retirement Accounts?

8 Tips To Reach Your Retirement Goals

Our last article addressed how much and how you should save in order to accumulate your retirement nest egg. Now we’ll discuss how to invest those savings. Since we can’t predict the future no one knows what the ideal portfolio will turn out to be. However, we can construct a sensible one that is broadly diversified, low-cost, tax-efficient, and consistent with your goals, time horizon, and investing temperament, in order to improve your chances of reaching your retirement goals.

We will examine the specifics of portfolio construction in future articles, but let’s focus now on the key steps to developing …

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Are Variable Annuities a Good Investment?

 

Why Variable and Index Annuities Are Poor Investments for Most People

The driving force behind the purchase of most annuities is a guaranteed lifetime income feature which appears to offer the investor investment returns equal to the greater of a minimum interest rate (usually 5% to 7% per year) or the gains generated by the underlying stock market investments.  While these annuity policies come in many forms, they usually are sold by showing the customer a glossy brochure with a graph demonstrating that the purchaser cannot lose regardless of whether the stock market goes up or down.

The notion …

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How Much of Your Assets Should Be Invested In Your Retirement Accounts?

While it’s generally a good idea to defer as much income as possible into your available IRAs, 401(k)s and Roth accounts, as with everything else in life, too much of a good thing can be a problem as well.

When you have the bulk of your financial assets in retirement plans, you might accidentally expose yourself to some risks that you haven’t thought about… since retirement plan assets are much more likely to be impacted by changes to legislation – as we have seen in the past.

In these days when Congress is looking for money just about everywhere, it’s …

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