If you are worried about running out of money during retirement, you are not alone. There are things outside your control that will impact your retirement funds. However, the more important things to worry about fall under your control and, with some discipline and knowledge, you can protect yourself against the external risks.
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⏰ TIME CODES ⏰ 0:00 Rules of Thumb Problem 7:40 External Factors Outside Your Control 8:19 Longevity Risk 10:08 Investment Risk 10:59 Sequence of Returns 26:45 Inflation Risk 31:47 Rise in Taxes 35:14 Summary of External Factors 37:08 Internal Factors Within Your Control 39:24 Live for the Future - Fear 43:47 Overspending - Lack of Discipline 46:24 Adult Children - Love 51:17 Structure of Income - Knowledge 51:34 Ripple Effects of Decisions - Knowledge 53:52 What You Can Do to Prepare 56:19 Now and Later vs Multi-stream 58:07 Stocks 1:02:28 Now and Later Bond Ladders 1:05:14 Fixed Index Annuity 1:07:27 Fixed Rate Annuity 1:09:16 Bond Fund Portfolios 1:12:09 Pension-Like Annuity 1:15:11 Annuity Riders 1:16:47 Multi-Stream Bond Ladders 1:18:10 Dividend Stocks 1:20:47 REITs 1:22:49 Selling Stocks at a Loss 1:25:44 Asset Allocation Drift 1:29:39 Getting Help
Federal Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.
Disclosure: This podcast is intended for informational purposes only, and is not a substitute for personal advice from Capita. This is not a recommendation, offer, or solicitation to buy or sell any security. Past performance is not indicative of future results. There can be no assurance that investment objectives will be achieved.
Different types of investments involve varying degrees of risk, including the loss of money invested. Therefore it should not be assumed that future performance of any specific investment or investment strategy, including the investments or investment strategies recommended or proposed by Capita will be profitable. Further, Capita does not provide legal or tax advice. Please consult with your legal or tax professional for advice prior to implementing any strategies discussed during this podcast.
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