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3 Ways To Incorporate Bonds Into Your Retirement Strategy

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.

Do You Need an Emergency Fund in Retirement?

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.

What Happens to Your Pension If Your Former Employer Goes Bankrupt?

Pensions, along with Social Security, are the core of most people’s reliable income in retirement – they’re what many people plan to live off of, or at least use to cover their most essential expenses. If you’re receiving a pension, or have one coming, you’ve probably contributed to your pension fund for years, maybe decades, […]

How to Use Life Insurance

Life insurance can be confusing. Especially since so many people want it to be. But it doesn’t need to be. Life insurance is one of the simplest financial tools out there – as long as you use it correctly. There are two basic components to your wealth: Your Financial Capital – All the stuff you […]

A Simple Way To Keep Your Portfolio In Line

Investing isn’t simply picking the best funds or building your perfect portfolio. Keeping your portfolio in line over the long term is just as important (if not more so).

Finding the Right Balance Between Inflation Risk and Investment Risk

When we talk about retirement risks, people often tend to fixate on their investments. Yes, investment risk is important, but it’s only a piece of the puzzle. The primary risk to your retirement is not having enough money to do what you want. Like I said, investment risk certainly plays into this, but you need […]

Are Structured CDs Too Good To Be True?

Most people know what Certificates of Deposit (CDs) are. You buy one for a number of years, then at the end, the bank gives you your money back plus a little interest. They’re not huge moneymakers, but they’re about as reliable as can be, which makes them great tools for offsetting risk. Of course, Wall […]

Can You Rely On Dividends For Income?

There’s real value in knowing where your money will come from. Hence the appeal of income investing – building a portfolio focused on creating a long-term steady stream of income…But income investing presents a few problems.

Business Owners: Did You Know You Are a Fiduciary?

Employer-sponsored retirement plans — such as 401(k)s or 403(b)s — are one of the primary sources of retirement savings for Americans. If you are an employer who has set up such a plan, you might not be aware of the responsibilities that come with your role as a plan sponsor.

Join us for a FREE webinar:

Travel in Retirement:

New Options and Opportunities

Hosted By

Dan Veto, CSA

Tuesday, July 23rd

1:00 - 2:00 PM ET

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Are You Ready for a Challenge?

Register to attend our FREE 4-Day Retirement Income Challenge event on August 26th– 29th from 12:00 – 2:00 PM ET each day.

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