Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that.

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role of risk in investing retirement researcher

Risk is one of those complicated concepts that you can’t really pin down to one definition, but it’s the single most important factor for investors.

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how the fed affects your investments

The financial media loves talking about changes in the target for the Federal Funds Rate. What the financial media want to talk about and what actually matters don’t overlap much. Let’s take a look at how changes in the Federal Funds Rate actually impact your investments.

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Annuities are like power tools. In the right hands, they can help you considerably, but if you don’t know what you’re doing, you could cut your fingers off.

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Reverse mortgages have gotten a bad rap. Admittedly, a lot of it was deserved. A bad rap doesn’t just happen without something to base it on. But a lot has changed since Fred Thompson was selling them on daytime TV. Now, reverse mortgages are tightly regulated at both the federal and state levels, not to…

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Bonds can be incorporated directly into a retirement strategy in three broad ways:
1. An assets-only approach to build a total returns investment portfolio,
2. Matching the duration of bond funds to the duration of the retirement liability, and
3. Holding individual bonds to maturity to generate the desired cash flows to fund expenses on an ongoing basis throughout retirement.

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Most retirees struggle with how to deal with their emergency fund. It’s there to help you deal with, well, emergencies. Retirees are just as prone to emergency as others, if not more so.

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