Retirement Watch Weekly
The New Era of High Income Investing That is Safe
We’re moving from an era when investors wanted primarily growth and capital gains to one when there is more demand for income, says Bill Gross of PIMCO. These investors want high income but also safe income. In this environment is it important that investment managers get right certain other issues, such as the safety of […]
IRS Approves Longevity Annuities in 401(k)s, IRAs
Longevity annuities, also known as deferred income annuities, are fairly new. In them, you pay a lump sum to an insurer, usually when you are in your 50s or 60s. The insurer promises that at age 80 or 85 it will begin paying you a predetermined amount every year for the rest of your life, […]
Income Investing When Rates Rise
Cash is trash, but many investors are afraid of bonds. You have alternatives. Other vehicles offer higher yields than cash (and many bonds) and provide diversification and safety of principal. Even better, they won’t lose value when interest rates rise. Cash is trash these days because yields are too low. You lose purchasing power after […]
July 2014
Save the Date: Please join me at The MoneyShow San Francisco, this August 21-23! I’ll be making two presentations and always enjoy these opportunities to meet with some of my readers. There also will be dozens of other financial advisors making presentaitons. Get their latest stock picks, current market outlooks, most successful trading strategies and […]
Key Estate Planning Mistakes You Need to Avoid
The important step in Estate Planning is to learn from the mistakes of others. Unlike many other areas, you don’t have a second chance with an estate plan. The major estate planning mistakes in estate planning are committed often. There would be very few problem estates if we learned from others’ errors. So, try to […]
Investing Strategies to Help Grandkids
Summer is filled with tax-advantaged ways to provide financial help for grandkids who are old enough to work. The Estate Planning strategies also work during other periods when the youngsters work. Some of the estate planning strategies are useful only if you own a business, but first here’s one that everyone can use. You can […]
Avoiding Inherited IRA Problems
Inherited IRAs are the focus of some of the saddest stories in estate planning. An IRA owner takes the time to arrange things so that the IRA will pass to the beneficiaries at the lowest tax cost and the heirs can stretch the IRA to last for years. Unfortunately, the heirs fall into one of […]
Staying in the 15% Tax Bracket for Life
Retirees often are blindsided by high tax bills. Retirees are the targets of many of tax increases, though they aren’t explicitly named. Instead, Congress enacts stealth taxes that quietly drain cash from retirees. Fortunately, you can fight back. Retirees have more control over their tax burden and more flexibility than most taxpayers, especially when you […]
