Time Segmentation, a Smart Way to Invest Retirement Money
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC® discusses the concept of time segmentation and its application in allocating retirement savings for a stable income during retirement. Time segmentation involves matching investments with the point in time when they will be needed to meet retirement income needs. This strategy provides clarity, comfort, and control over retirement income and helps mitigate the effects of market volatility. We cover the four buckets of money in a time segmented approach and emphasize the importance of purpose-based allocation. The benefits of time segmentation include flexibility, optionality ..read more
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This Four-Part Retirement Strategy Can Help Withstand Bad Timing
Retirement Talk
by Laura Stover
3M ago
Simple diversification used to be the go-to plan for a typical portfolio. A balanced plan of stocks, bonds, and cash would simply do the trick. But that type of diversification has been proven less effective in recent years with the abundance of market volatility. Today, Laura Stover, RFC® takes on financial guru Dave Ramsey’s version of a Safe withdrawal rule.    As we approach retirement, our priorities begin to shift. While we still want to grow our money and stay ahead of inflation, protecting what we've accumulated and generating income become top priorities. Traditional diversi ..read more
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Navigating Investment Choice Overload: Tips To Become a Better Decision Maker
Retirement Talk
by Laura Stover
3M ago
Today Laura Stover, RFC®  explores the concept of choice overload and how it can affect your investment behavior and retirement planning. With so many options and information available to us, it's easy to feel overwhelmed and unsure of the best path to take. But today we will provide you with tips and insights to help you navigate through this sea of choices and make informed decisions that align with your goals and aspirations. Having more choices does not always translate to better decisions. In fact, research has shown that too many options can lead to decision paralysis or option para ..read more
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What To Do About These High Interest Rates
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC®, takes on the topic of interest rates today, and how they relate to your financial future. It is important to consider the historical context of interest rates. Over the past few decades, interest rates have been kept artificially low by central banks around the world. This was done in an effort to stimulate economic growth and prevent deflation. However, it was only a matter of time before rates began to rise. ​ If we look back to the 1970s, interest rates were much higher than they are today, even 19% at one point. This was a period of high inflation and economic instabili ..read more
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Could an Israel- Hamas war change what the Fed does about interest rates?
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC® looks at the ongoing Israel-Hamas war and how it might affect interest rates and your financial future.. With ongoing uncertainty about the economy, wars in Europe and the Middle East, and protests at home, it's no wonder that Americans are taking a closer look at their financial plans. In particular, we will explore the potential impact of the Israel-Hamas war on the US, the implications for interest rates, and the threat of inflation. So, let's dive in and unpack these important topics. One of the biggest questions on everyone's mind is how the escalation of the Israel-Ham ..read more
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'Not QE' Puts Fed Between A 'Rock And A Hard Place'
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC® discusses the Federal Reserve's Bank Term Funding Program (BTFP) today, a topic that is often overlooked but has significant implications for our economy.This program, which was introduced in response to the failures of banks earlier this year, has the potential to create new money and impact the value of long-term securities. Let's dive deeper into this issue and explore its implications. To understand the BTFP, we first need to differentiate it from quantitative easing (QE). QE is a Fed open market operation that involves buying bonds out of the market to ease monetary con ..read more
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The Fed is still pushing to get inflation down. Do people feel it?
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC® is discussing the recent decision by the Federal Reserve to leave interest rates unchanged and the potential implications for retirees and investors. We will also explore the ongoing efforts by the Fed to combat inflation and the impact it may have on the economy. The Federal Reserve recently announced that it would be keeping interest rates unchanged at its October meeting. While the market initially responded favorably to this decision, there is still uncertainty about the possibility of rate hikes in the future. The Fed will meet again in December, and if inflation remain ..read more
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Consistency Is the Key to Investing When You're Retired
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC is solo today for a special episode as we cover this week’s featured article from Kiplinger “Consistency Is the Key to Investing When You're Retired.”  We need to focus on consistent returns rather than average returns or market fluctuations. While volatility may be advantageous during the accumulation phase, it can be detrimental to retirees who rely on their investments for income. We also are covering ongoing news events, such as the Israel-Mideast situation andthe debt ceiling.  What effects could these events have on investing and retirement? As always, it’s im ..read more
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What is a Major Advantage of Separately Managed Accounts?
Retirement Talk
by Laura Stover
3M ago
In this week’s  Retirement Talk podcast, with Laura Stover, RFC®, and Michael Wallin, CFP®, we delve into the major advantages of separately managed accounts (SMAs), a topic that doesn't often make its way into the podcasting world. SMAs can be a game-changer for those nearing retirement or already in retirement. SMAs offer direct ownership of investments, reduced transaction costs, and the potential for tax harvesting. These benefits set them apart from traditional mutual funds or ETFs, which are more commonly discussed in the financial world. Mutual funds, for example, are essentially a ..read more
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Investment Tradeoffs: Why You Should Know Your Return on Hassle Spectrum
Retirement Talk
by Laura Stover
3M ago
Laura Stover, RFC®, and Michael Wallin, CFP®, discuss this week’s featured article from the weekend brief: "Investment Trade Offs: Why You Should Know Your Return on the Hassle Spectrum."  It's a critical consideration for investors, especially in today's financial landscape. We discuss the fascinating story about a couple who decided to invest in real estate back in 2018. They were making around $2,500 a month from their investment property. While that might not sound bad, it came with a price—late-night calls, maintenance, dealing with tenants, and taking on additional debt. The pivotal ..read more
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