I want to redirect my retirement investments to a more defensive posture. Ideas for best choices? - best cd investments
I started at the age of 60 this year. The stock market has had a bull in the long run. However, due to economic uncertainties and my age, I want to change the position of my portfolio in a largely defensive. Recently I read a lot of clues, but I want other people's personal experience with this or someone to meet with ideas for defense investment, higher returns than bank CD would offer prizes.
Wednesday, January 20, 2010
Best Cd Investments I Want To Redirect My Retirement Investments To A More Defensive Posture. Ideas For Best Choices?
4 comments:
In contrast to the previous answer, if you live 90 years, you can halve your purchasing power twice! The stock market has been blocked before the Second World War. Of course, there are market corrections but the graphics just look at the S & P 500 or one of the oldest mutual funds, dates from the 1930s.
If you have one million U.S. dollars today and get 5% -6% return on your money, you can not live up to about $ 20 - $ 30,000 per year, the taxable income, if you want to keep the development cost of living . However, if you invest in a portfolio of high quality, balance of stocks and bonds to generate reasonably $ 50-60,000 per year with Coke.
We will not mention the fact that the incomes of most pensions are not adjusted for inflation, and that Social Security is not really keep up with inflation, the increase in Part A. Therefore, your portfolio, you have to work harder to keep the inflation of their total income to compensate. A challenge that can not be transmitted with a professional fund manager and will not be achieved in a "defensive" portfolio.
The defense is for us all different. Without further information it is difficult to give a better answer. "But I can tell you. She is 60 now, and there is a greater chance of surviving to 90 +. So the money must be able to see things that you pay for that time. If you have more than enough money have, then consider the sale of all businesses and put them in an account / MMKT SAVE - to reach the current level of 5% - Why? No need to consider more risks than necessary. If you do not pay more than enough money to things -- then consider 60/40 - where 40% is the pfolio consider bonds, equities and 60% - to businesses, the things that we all need to survive - the provision of gas, electricity, soap, razors, FOOD, GAS NATURAL, paper, etc. Most of them offer performance. Then, as soon as a new year balance - 60/40 - It's easy, and my personal experience. Good luck
My wife and I are not in mutual funds. I have aggressive growth. It has) a more balanced (defensive, with a combination of equities (70%) and bonds (30%), again in a mutual fund. It also has a 401k at work, a balanced portfolio with a mixture of 70-30.
I am 63 and retired at 62 thanks to ensure a strong investment in mutual funds for many years, and that debt free when I retire in the.
With my social security, our return on investment, and my wife still works (too young to) retire, we are doing very well.
The best advice I can give is - free of debt as quickly as possible and no later than the age at which they want to go to retirement.
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Jim DeSantis publishes a blog on money matters in http://on-line-tribune-money-matters.blo ...
My wife and I are not in mutual funds. I have aggressive growth. It has) a more balanced (defensive, with a combination of equities (70%) and bonds (30%), again in a mutual fund. It also has a 401k at work, a balanced portfolio with a mixture of 70-30.
I am 63 and retired at 62 thanks to ensure a strong investment in mutual funds for many years, and that debt free when I retire in the.
With my social security, our return on investment, and my wife still works (too young to) retire, we are doing very well.
The best advice I can give is - free of debt as quickly as possible and no later than the age at which they want to go to retirement.
____________________________
Jim DeSantis publishes a blog on money matters in http://on-line-tribune-money-matters.blo ...
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