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Running Out of Money: Retirement Withdrawal Strategies in a Low Interest Rate Environment
My fellow Equifax blogger and retirement expert Dan Solin gets a lot of questions about retirement. Lately, the questions he's been hearing most are: What percent of my retirement funds can I safely withdraw without fear of running out of money? How can I generate enough income from my portfolio in this low-interest-rate environment?
Here's the advice he gives people who are concerned about saving enough for retirement in this low interest rate environment:
Understanding the role bonds play in your portfolio is critical to both of these questions. Bonds (including treasuries) should not be viewed as a source of income. Their proper function is to reduce the volatility (risk) of the stock portion of your portfolio and to assist in protecting you against the ravages of inflation.Your portfolio should consist of globally diversified, high-quality, low-cost stock and bond index funds in an asset allocation appropriate for your investment objectives and tolerance for risk. You can determine your asset allocation by taking the risk capacity survey available on my website.The fixed-income portion of your portfolio should be limited to bond funds with short and intermediate maturities of five years or less. If you buy bonds with longer maturity dates, you incur ... more

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