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Investing in Retirement

The trick is finding safe investments to protect your sources of retirement income while also getting a return that will keep up with inflation and the cost of living. 

Stocks historically outperform other securities over a long period of time – usually more than 10 years. Inflation and cost of living increases are major concerns when you are investing decades before retirement. The $100 you save in your 20’s won’t buy you as much when you are in your 60’s. So, we look for a balanced portfolio when you are young to keep up with – and hopefully outpace – inflation.


Inflation is far less of a concern when you are investing in retirement.  We look for an allocation in less risky securities, such as bonds, which are less volatile and will give you income in coming years.


If stocks go down when you are working, you’ll likely reinvest in more shares at a lower price. But if you are already retired, you may have to cash out the shares at the lower price for monthly income.


There are even tax penalties as you reach your 70s if you do not take at least minimum distributions from certain retirement accounts – such as IRAs – as income.


By the time you retire you’ll likely have multiple accounts to draw income from. There are serious tax implications involved in which accounts and assets you liquidate vs. where you remain invested.


Your retirement plan will continue to evolve long after you retire and an independent, fiduciary advisor can help you understand your options.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The economic forecasts set forth in this material may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

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