Retired Investor: Getting Through Difficult Markets

We all want to achieve retirement security—and to maintain our sanity during volatile market periods. If we could only predict tomorrow’s markets, we would handily satisfy these needs—we would be able to sell before a market decline and buy at the bottom. Truth be told, probably the single most important element of successful investing is…

 

Don’t Underestimate Equities in Retirement

Many retirees reflexively believe that they can live off of the interest from their investments while preserving principal. Using interest payments alone to fund one’s living expenses in retirement may have been possible in decades past when life expectancies all but guaranteed a shorter retirement and yields on the 10-year Treasury note were in the…

 

Making Use of IRAs as Part of an Estate Plan

This article originally appeared in the June 2014 issue of the AAII Journal. There are effective uses of an IRA as part of the estate planning process that most retirees have prepared for. These steps include: Taking taxable withdrawals from your IRA when your tax bracket is lowest, often right after retirement, Completing your beneficiary designation forms in…