Author - John Spoto, CFP®

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How to Ensure Your Retirement Portfolio Will Last
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Building a Winning Investment Portfolio During Your Retirement
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8 Tips To Reach Your Retirement Goals
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4 Steps To Saving For Your Retirement
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How To Successfully Build Your Retirement Nest Egg

How to Ensure Your Retirement Portfolio Will Last

One of the most important issues retirees face is deciding how much they can withdraw from their accounts without exhausting them.

Your decision involves a trade-off between spending too much and running out of money, and spending too little and reaching the end of retirement with a large portfolio that you’ll be unable to enjoy.

The amount of money you can reasonably drawdown from your portfolio depends upon several factors that differ for each person, including assumptions about investment returns, inflation rates, how long retirement will last, and the portfolio withdrawal strategy used. Although there are many “hybrid” approaches, there …

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Building a Winning Investment Portfolio During Your Retirement

Our last article explained the principles of constructing a sensible investment plan during your working years to help you accumulate a retirement nest egg. Once you retire you face the challenge of converting that nest egg into a source of annual income that will last for as long as you live. While many of the same principles apply, investing during retirement is more complicated than investing for retirement because you are taking withdrawals from your accounts. The bottom line: your new circumstances will probably require some adjustments to your plan. This article highlights the issues that need to be addressed …

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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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4 Steps To Saving For Your Retirement

In previous articles we explained how to estimate the amount you’ll spend each year once you stop working, and the size of the nest egg you’ll need to support that spending. The next step is to figure out how much you’ll need to save each year to build your investment portfolio. There are many interactive tools available to help you arrive at this savings number, including one accessible through the U.S. Securities and Exchange Commission website. Find the one that you are most comfortable using.

Reaching your retirement goal however depends not only on how much you save, but also …

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How To Successfully Build Your Retirement Nest Egg

For most Americans, retirement planning is ultimately focused on accumulating a “nest egg” of savings and investments to generate enough income to pay for a comfortable lifestyle.

The Size Of Your Nest Egg

To find out how large a nest egg you will need, you must first estimate your “retirement income gap” which is simply the difference between how much you’ll need (discussed in a previous article) each year to enjoy the lifestyle that you want, and the amount of income that you expect to receive from sources including Social Security, employer pensions, and part-time work. This gap will need …

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