Brought to you compliments of Sarah M. Place, MBA
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March 2007
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Thursday, September 9, 2010
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Knowledge to Help with Your Decisions
Hopefully, you are finding value in reading my e-newsletter. Ideally, I would like to discuss these topics on a face-to-face basis. Since this is not possible, I decided to use this e-newsletter to provide information you need to make knowledgeable financial decisions. Obviously, not all articles will pertain to your specific situation; however, I trust that in each issue there will be several ideas of interest to you. If you have any questions about a specific article, please call or e-mail me so we can discuss its implications. Additionally, if you have any comments or suggestions, please let me know.
I would be happy to e-mail a complimentary copy to any of your friends.
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Moving Gently into Retirement
For most of your working life, you've looked
forward to the day when you can quit your job and start enjoying
retirement. But in the face of longer life expectancies, uncertain
Social Security benefits, declining pension benefits, unknown
inflation rates, volatile markets, and low retirement savings,
can you really afford to retire at a relatively young age and
spend decades supporting yourself without a job?
[FULL ARTICLE]
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Make Conservative Assumptions
How can you ensure you'll have sufficient
funds to last your entire retirement? So many of the variables
used to calculate this amount seem uncertain. What is a reasonable
rate of return for your investments over the long term? How long
will you live, knowing life expectancies are increasing? How much
can you count on from Social Security and pension plans? If you're
concerned about running out of money during retirement, you need
to be very conservative with your assumptions. Some tips to consider
include...
[FULL ARTICLE]
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Have You Rebalanced?
You developed an asset allocation strategy
for a reason - you wanted to control your portfolio's risk by
deciding how to allocate among different asset classes. However,
your portfolio won't stay within that allocation by itself. Since
different investments earn different rates of return, over time
your allocation will get out of line. Thus, you need to review
your portfolio periodically and make adjustments to rebalance
it.
[FULL ARTICLE]
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First, Protect Your Family’s Security
One of your first financial goals should
be to protect your family's financial security from major catastrophes.
To do so, consider a cash reserve for short-term emergencies, adequate insurance in all major areas, umbrella liability insurance to protect against major lawsuits, and a power of attorney.
[FULL ARTICLE]
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Check All Factors before Switching Jobs
When considering a job change, it's tempting
to just look at the difference in salary between the two positions
and base your decision on that. But before deciding whether to
change jobs, you should consider a host of factors.
[FULL ARTICLE]
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Sarah has over fifteen years experience in the financial services industry. She received her MBA at St. Mary's University Graduate School of Business in San Antonio, TX and her bachelor’s degree in Economics–Finance at Bentley College in Waltham, MA. The firm she founded, Place Trade Financial, Inc., (Member NASD, SIPC) is an active member of the Securities Industry Association (SIA).
Feel free to contact Sarah via e-mail at
sarah@placetrade.com
or visit our Web site
www.placetrade.com
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Published by
Sarah M. Place
Copyright © 2007 Place Trade Financial, Inc., Member NASD/SIPC. All rights reserved.
This newsletter intends to offer factual and up-to-date information on the subjects discussed, but should not be regarded as a complete analysis of these subjects. The appropriate professional advisors should be consulted before implementing any options presented. No party assumes liability for any loss or damage resulting from errors or omissions or reliance on or use of this material.
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TELL A FRIEND
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