Retirement Draw-down Strategies When considering how much to draw-down from your retirement assets, you have to answer the following questions. What type of lifestyle do you imagine having during your retirement years? What age are you going planning to retire? What percentage of your assets do you plan to withdraw from your retirement accounts? If [...]
Browsing Posts published in May, 2012
Retirement Roadblocks Unexpected events can cause a roadblock to your retirement and even delay when you do finally retire. The following a just a few of those roadblocks Unemployment – lose your job or have to make a career move can cause delays or problems in planning for ones retirement. Divorce – if you [...]
Being a Smarter Investor Steps to being a smarter investor is about realizing what your goals are and having a clear understanding of your attitude towards investment risks. Defining reasons why you are even investing is step number one. Looking closely at your specific goals and time horizons. Reviewing your cash flow needs over [...]
Bid-Ask Spread Many investors are not aware that in addition to the commissions they pay to purchase a stock or exchange traded fund they also have an addition expense called the bid-ask spread. The definition – The amount by which the ask price exceeds the bid. This is the difference in price between the [...]
How to Time Your ETF Trades Trading ETF’s in the afternoon can cost you a lot more rather than trading in the morning. ETF’s are securities similar to mutual funds and can consist of stocks, bonds, commodities and currencies. Because commodities and foreign stocks trade at different hours than the U.S. market the timing [...]
Social Security Taxation Depending on your income in any given year, your income will determine whether you will have your benefits taxable or not. If your combined income is less than $25,000 (single) or $32,000 (joint return) your social security benefits will not be taxable. If your income is above the threshold but less than [...]
Retirement Planning and use of Annuities New products and strategies are coming to the marketplace to guarantee retirement income. The purpose is to protect future income generation as you move from asset accumulation to retirement income. You might consider a stand alone living benefit referred to as SALB, this allows you to purchase a [...]
Power Surge Stock Trading Strategy This power surge trading strategy makes use of combining both fundamental and technical analysis into one approach. The following fundamental elements are examined to qualify for a potential power surge: A minimum stock price of $20 Relative strength of 85 or higher Strong earnings estimates of 20 % or [...]
Strategies for Fixed Income Securities Here are several strategies for fixed income securities you can consider: Bond Categories Sovereign debt denominated in foreign currencies – Since emerging markets are relatively healthy compared to a year ago, many feel expect these investments to fare better than a year ago. Mortgage backed securities – Some of the [...]
