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Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen.”
“Winston Churchill”
By Dr. Don Taylor, Ph.D., CFA, CFP, CASLPublished September 14, 2015 Bankrate.com
Dear Dr. Don, I would like to begin investing money to use in retirement. I want to be conservative with these investments, and I don’t know where to begin. Any advice on retirement investing would be appreciated.
Thank you, — Yvette Yields
Dear Yvette, First, I commend you for taking steps toward securing your financial future. Many Americans have failed to do this, so you are setting yourself apart.
Your choice of investments will depend on your investment goals, investment horizon, attitude toward risk and need for liquidity.
I like IRAs
If you’re saving for retirement, you should consider a tax-advantaged retirement account such as a Roth or traditional individual retirement account, your company’s 401(k), and 403(b) plans. Also, find out whether your employer offers matching contributions when you participate in its retirement plan. If so, that’s where your investment should start.
Protect your money
Conservative investors are usually worried about putting their principal at risk — a wise concern if you’re nearing retirement. If that’s the case for you, you may want to try some low-risk investments. For example, there are insured deposits with a bank or credit union. You could try savings bonds or U.S. government marketable securities. While these marketable securities will fluctuate in value, you’re guaranteed to receive the face value of the security at maturity.
WIN: Whip inflation now
There’s another risk besides risk to principal, and that’s purchasing-power risk. To increase your purchasing power in retirement, your investments must earn a yield higher than the rate of inflation. Series I savings bonds and Treasury inflation-protected securities, or TIPS, pay yields that are adjusted for inflation. But current purchases of the Series I savings bond don’t pay a yield above the inflation rate, and most TIPS maturities have had their prices bid up to the point where buyers earn a yield that’s less than inflation except in the longest (30-year) maturities.
You have many other options. A plan I’ve seen recently allows investors to buy fractional shares of stocks and exchange-traded funds, or ETFs. It also allows purchases of mutual funds with low commission rates and no account minimums. Its automatic investment program allows you to make regular contributions into your account. And it’s not the only game in town when it comes to automatic investment plans.
Asset allocation calculator
While an imperfect substitute for professional financial advice, an asset allocation calculator can help determine a starting point for your mix of investments. Finally, I’d suggest you don’t limit yourself to CDs, savings bonds and U.S. Treasury securities. You should consider stocks as well.
Get more news, money-saving tips and expert advice by signing up for a freeBankrate newsletter.
Ask the adviser
To ask a question of the Retirement Adviser, go to the “Ask the Experts” page and select “Retirement” as the topic. Read more Retirement Adviser columns and more stories about retirement.
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I am actively looking to build relationships with Real Estate Investors and Owner / Users for Phoenix – Scottsdale – Tucson – Maricopa County – Pima County – Pinal County – Cochise County – Santa Cruz County –Yavapai County – Gila County – Arizona , USA
Walter Unger CCIM – walterunger@ccim.net – 1-520-975-5207 – http://walter-unger.com
WHY PHOENIX ARIZONA : ???
http://walter-unger.com/?p=13391
1
Timeline of Phoenix, Arizona history
http://en.wikipedia.org/wiki/Timeline_of_Phoenix,_Arizona_history
2
http://en.wikipedia.org/wiki/Phoenix,_Arizona
3
Facts of Arizona – year 1848 to 2013
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Feel free to contact Walter regarding any of these stories, the current market, distressed commercial real estate opportunities and needs, your property or your Investment Needs for Comercial Properties in Phoenix.
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Investors and owner/users need to really know the market before making a move in commercial investment properties as the market has a lot of moving parts today. What’s going on socio-economically, what’s going on demographically, what’s going on with location, with competing businesses, with public policy in general — all of these things affect the quality of your commercial properties/investment properties. Therefore, you need a broker who understands commercial properties. Please go to my web-site and get all the newsflashes and updates in Commercial Real Estate.
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Walter Unger CCIM, CCSS, CCLS
I am a successful Commercial / Investment Real Estate Broker in Arizona now for 20 years. I am also a commercial land specialist in Phoenix and a Landspecialist in Arizona. If you have any questions about Commercial / Investment Properties in Phoenix or Commercial / Investment Properties in Arizona, I will gladly sit down with you and share my expertise and my professional opinion with you. I am also in this to make money therefore it will be a win-win situation for all of us.
Please reply by e-mail walterunger@ccim.net or call me on my cell 520-975-5207 or Office:480-948-5554
Walter Unger CCIM
Associate Broker, Kasten Long Commercial Group
2821 E. Camelback Rd.
Phoenix, AZ 85016
Cell: 1-520-975-5207
Fax: 1-602-865-7461
walterunger@ccim.net
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a little about me and my expertise – video
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