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What Are Annuities?

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.

Do You Understand How Bonds Work?

Before we can discuss bonds in depth, it is important that we establish a common understanding of what bonds are and how they work. As a starting point, a bond is a contractual obligation to make a series of specific payments on specific dates.

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.

Dynamic Programming Methods For Retirement Income

In addition to other methods we’ve discussed, a third type of variable spending model uses dynamic programming methods. These methods rely on complex computing power and mathematical equations to integrate spending and asset allocation decisions more completely over the life cycle.

Dynamic programming provides a road map at each point in time for optimal spending and asset allocation, which have been determined by first considering optimal future behavior stemming from today’s decisions.

4 Steps To Prepare Your Retirement Portfolio For The New Year

The end of the year is a great time to get your financial house in order. As the market bounces along throughout the year, your portfolio bounces right along with it. Every once in a while, you need to give it a checkup. And it’s not just rebalancing your investment portfolio (though I cover that in step 4) – you need to make sure your entire financial picture is in good working order.

Join us for our FREE Webinar:

The Election and the Stock Market:

Understanding the Effects on Your Investments

Hosted By:

Bob French, CFA

Register now to attend LIVE!

Join us for a FREE webinar:

Disability and Early Retirement:

What You Can Do to Protect Yourself Now

Hosted By

Doug Strott

Tuesday, May 21st

1:00 - 2:00 PM ET

Reserve Your Spot and Register Today!

Are You Ready for a Challenge?

Register to attend our FREE 4-Day Retirement Income Challenge event on March 4th – 7th from 12:00 – 2:00 PM ET each day.

Click below to learn more and reserve your spot!