Retirement Researcher

I have taken the Retirement Income Style Awareness™ Profile. Is it helpful to use this with a financial professional? Here, we address whether or not you feel it would be helpful to share your personal RISA™ results with a financial professional. The post I have taken the Retirement Income Style Awareness™ Profile. Is it helpful to use this with a

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I’ve taken the Retirement Income Style Awareness™ Profile. What’s next? We were able to categorize next steps after the RISA™ into five groups. The post I’ve taken the Retirement Income Style Awareness™ Profile. What’s next? appeared first on Retirement Researcher. Source: Retirement Researcher I’ve taken the Retirement Income Style Awareness™ Profile. What’s next?

Retirement Income Style Awareness Profile (RISA™) and Its Accuracy We asked RISA™ participants if they felt the results were accurate; did the RISA™ “capture the essence of their style?” The post Retirement Income Style Awareness Profile (RISA™) and Its Accuracy appeared first on Retirement Researcher. Source: Retirement Researcher Retirement Income Style Awareness Profile (RISA™) and Its Accuracy

Retirement Income Style Awareness Profile (RISA™) and Your First Reactions In the spirit of transparency, we are continuing to refine a scale to determine your retirement income style. I thought it would be a good idea to share with all of you some of the feedback we have received from the RISA™’s release in early 2020. The post Retirement Income

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2020 – Q2 Quarterly Market Review 2020- Q2 Quarterly Market Review The post 2020 – Q2 Quarterly Market Review appeared first on Retirement Researcher. Source: Retirement Researcher 2020 – Q2 Quarterly Market Review

Is Buying an Annuity in a Zero Interest Rate Environment a Good Idea? The Federal Reserve’s decision to cut its benchmark federal funds rate from 1% to a range of 0% raises significant questions for those reassessing their retirement nest egg—a common occurrence following a dramatic selloff in equities according to research conducted by Indiana University’s Alessandro Previtero —and the

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Is Buying an Annuity in a Bear Market a Good Idea? In Safety-First Retirement Planning: An Integrated Approach for a Worry-Free Retirement, I explain how including annuities with lifetime income protections alongside other investments can lay the foundation for a more robust retirement income plan that is less vulnerable to market downturns and outliving savings. As the stock market experienced

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Adjustments For A Conservative Return Assumption Consider three scenarios: An individual investing a lump-sum amount for thirty years An individual saving a fixed percentage of a constant inflation-adjusted salary at the end of each year over a thirty-year accumulation period An individual withdrawing the maximum sustainable constant inflation-adjusted amount from a portfolio at the start of each year over a

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A Guide to a Conservative Return Assumption A simple approach for building a financial plan is to decide on a rate of return for the investment portfolio and to plug that value into a spreadsheet to represent assumed asset growth. Historical data may be used to calculate historical average returns for different asset classes, which are then combined to create

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Planning For The Future – What About Bond Yields? Adjustments for Current Bond Yields An important consideration is that current interest rates are lower than the historical averages. The historical average return is not relevant for someone seeking to estimate future market returns from today’s starting point. The general problem with attempting to gain insights from the historical outcomes is

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