Sentences with phrase «think of the retirement portfolio»

Retirees may view annuitized income from Social Security and employer pensions as their primary source of retirement spending and think of the retirement portfolio only as a reserve to protect against the unexpected.

Johnson suggests that investors think of their retirement portfolios like a personal pension plan.

Not exact matches

Lisa Kramer, an associate professor of finance at the University of Toronto, worries that if people think of investing as a game, rather than as a way to save for retirement, then portfolio construction could become just another table to play.

In terms of portfolio planning, it is important to address any overconfidence, Silveira said, especially with those who are now thinking about retirement.

For us — with 35 + years of «retirement» ahead — I think the investments need to grow faster than the usual «cautious» retirement portfolios would do.

Given the pronounced investment orientation of the group, one might think that «market volatility» might top the list of retirement portfolio risks that are on the minds of older clients.

This isn't a problem for investors with long time horizons (say 10 + years to retirement) or large enough portfolios to live entirely off dividends, but if your portfolio is small and you need to periodically sell shares to fund living expenses (such as with the 4 % rule), then this short to medium - term risk is something to be aware of as you think about portfolio diversification.

All of which is to say that I think you should proceed with your plan to include bonds in your retirement portfolio.

Financial thought leader Burton Malkiel has teamed up with online investment advisory pioneer Mitch Tuchman to offer retirement portfolios of low - cost index funds that automatically rebalance.

In fact, if you don't think that «alternative investing» is for you, ask your current adviser if you have any alternative investments in your portfolio (retirement included) or if any of your existing holdings in funds have them.

As I said at the outset, this is a PART of a retirement portfolio and provides what I like to think of as a «pension» that can be banked on.

Our 401k's are solidly in target retirement date funds though, and I'm thinking now to just move our entire portfolio to target retirement date funds, given how well they seem to be doing compared to my other haphazard portfolios, and given my lack of will to properly take care of them.

Personally, I don't think ANY significant percentage of my retirement portfolio should be in bonds.

I think I'm done with REITs for a while since they now account for 17 % of my retirement portfolio and 6 % of my Empire portfolio.

I'm not saying that you should direct all your retirement savings into your mortgage until your mortgage is paid off but maybe thinking about using the portion of your portfolio that you might consider investing in bonds to pay down your mortgage (until that is paid off) might make sense.

I have always done all of our investing, and I think dividend - paying stocks would probably be ideal for a conservative retirement portfolio.

It's best to think of them as one part of a larger retirement income plan: they can work uncommonly well in a portfolio alongside stocks and bonds (or GICs).

Financial thought leader Burton Malkiel has teamed up with online investment pioneer Mitch Tuchman to offer retirement portfolios of low - cost index funds that automatically rebalance.

But given the huge cost advantage many index funds and ETFs have these days — some charge less than 0.10 % in expenses each year — I think that at the very least you should try to make index funds and ETFs the core of your retirement portfolio.

In fact, arguably when thinking about a retirement portfolio, it's better to think in terms of «retirement cash flows» than retirement income, as what constitutes «income» for investment purposes (interest and dividends, but not principal) is different than what constitutes «income» for tax purposes (as interest and dividends might be tax - free coming from a Roth, while principal may be fully taxable if withdrawn from a pre-tax retirement account).

While on the subject, here's the way we like to think about the value of paying an advisor to construct an investment portfolio for the purpose of producing a sustainable retirement paycheck: Take the total amount of their fees, expenses, and commissions and divide that by the amount of income realized over the past year (don't count share sales as income, just dividends and capital gains distributions).