Advisors

Paul Burns | Getty Images Making sure retirement savings last a lifetime becomes increasingly tricky as average lifespans lengthen. In my view, making your money last can largely be boiled down to five key levers. Three are always unknown: investment returns, inflation and longevity. Unfortunately, current conditions further complicate these unknowns. With stock market valuations
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Every client is different, and therefore every conversation is different, but there are also a number of similarities. A couple of meetings I had last week demonstrate how similar our conversations can be at times. In two separate meetings with two separate longtime clients, I had the same piece of advice: “Go spend some money”
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During the 2004–2006 period of Fed rate increases, for example, REITs posted cumulative total returns of 77.9 percent, compared with 32.5 percent for stocks and 8.6 percent for bonds. REITs own a broad array of property-ownership ventures, including apartments, hospitals, warehouses and commercial property such as hotels, shopping malls and office buildings. The game for
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In simple terms, an IRA trust prevents an heir from receiving money outright from the IRA upon the account owner’s death. Without a trust, heirs can treat an inherited IRA as a piggy bank to whatever degree they want, as long as they take required minimum distributions as mandated by the Internal Revenue Service. Unfortunately,
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Tetra Images | Getty Images ETFs are traded on exchanges, so they can be bought and sold like stocks through a brokerage. For example, ETFs with “low volatility” or “minimum volatility” in their names can turn out to behave quite differently for investors in precisely the environment that they are most looking for risk mitigation.
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But these days, she said, ”We see that people are carrying mortgage debt at older ages, and it’s both the percentage of families carrying the debt and the amount of debt that has increased.” About 42 percent of households headed by someone age 65 to 74 has home-secured debt, according to the Federal Reserve’s 2013
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