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Improving Retirement Income Efficiency Using Reverse Mortgages

Maintaining higher fixed costs in retirement increases exposure to sequence risk by requiring a higher withdrawal rate from remaining assets. Drawing from a reverse mortgage has the potential to mitigate this aspect of sequence risk by reducing the need for portfolio withdrawals at inopportune times.

Spending Options for a Reverse Mortgage

Most current HECM reverse mortgages use an adjustable interest rate, which allows the proceeds from the reverse mortgage to be taken out in any of four ways or a combination thereof.

Wise Reverse Mortgages Can Be a Saving Grace for Retirees

If, after considering other housing options, you have decided to remain in an eligible home or to move into a new home, you may want to consider a Home Equity Conversion Mortgage (HECM) – more commonly known as a reverse mortgage – as a source of retirement income.

Should You Downsize in Retirement?

One method for freeing home equity for other uses is to downsize your home as a part of moving. Downsizing could mean either moving to a smaller home, or moving into a similar-sized home in a less expensive community.

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Travel in Retirement:

New Options and Opportunities

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Dan Veto, CSA

Tuesday, July 23rd

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