These three retiree investing strategies will produce the cash flow you want with the protection you need to make your money last. Do NOT chase high-risk strategies investing in retirement and risk losing your hard-earned money!
Nation, there is a retirement crisis in America. We’ve seen it in the numbers and I’ve seen it in my mom’s $900 monthly social security check. We covered retirement plans for millennials and Gen X in the past couple of weeks…but what if you’re in retirement now? How do you invest to get the most out of limited savings when you don’t have any time left?
In this video, I’ll show you the risk in chasing high-return promises in retirement investing. I’ll then reveal three investing strategies for retirees that will both protect your money and give you the cash you need.
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I’ll show you the bucket strategy first quite possible the most popular retirement portfolio strategy. This one involves setting up three investing accounts with a different focus in each. Your cash needs go in super-safe short-term investments like money market so you know the money will be there in retirement. Your other two buckets are a mix of cash-producing investments and growth stocks.
Another great retirement planning strategy is the ladder or matching approach where you match your expenses exactly with bond investments. These are almost guaranteed to pay a level of income so it’s much less risky than the bucket approach though you won’t see as high a return.
Finally, there’s always dividend investing for retirees and this one offers the potential for the highest returns, but also the highest risk. I’ll show you how to pick dividend stocks for your retirement portfolio and the risks to avoid.
1:30 How Long Savings Last in Retirement 2:14 The Problem with High-Risk Investing in Retirement 3:20 Bucket Investing Strategy for Retirees 6:27 Retiree Investing with the Ladder Strategy 8:28 Dividend Investing for Retirees
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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps. #retirement #retirementplanning #investing
