How Much Can You Withdraw in Retirement?
How much to withdraw annually from your
retirement assets is probably one of the most important decisions
you'll make when you retire. Several factors need to be considered
when calculating your withdrawal rate, including your life expectancy,
expected long-term rate of return, expected inflation rate, and
how much principal you want remaining at the end of your life.
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Inflation, Disinflation, and Deflation
It's been a long time since the words "deflation"
and "the U.S. economy" have been used in the same sentence.
But with the sharp decline in the prices of stocks, real estate,
and commodities over the last year, we're hearing those words
in the same sentence increasingly often.
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Reevaluate Your Life Insurance at Retirement
As retirement age approaches, it's usually
a good time to reassess your life insurance policies to see if
your needs have changed. With your children on their own and no
earned income to replace, you may no longer need a large life
insurance policy. Especially if your insurance premiums are high,
you may be tempted to cancel the policy, take the cash surrender
value, and enjoy retirement.
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Buying When Prices Are Low
For some investors, a long or steep decline
in the price of a stock is a signal to beware. For others, it's
a temptation to pick up a bargain at a steep discount and make
a handsome profit when the stock rebounds. In practice, it takes
a lot of savvy to accomplish. Here are a few tips that help you
know when and when not to buy.
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The Fundamental Investing Principle
The whole point of an investment program
is to accumulate sufficient funds to meet your financial goals.
So what is the most fundamental investment principle - selecting
the proper investments, accumulating the correct combination of
assets, timing the market to avoid corrections? Actually, the
principle may not even sound like an investment principle at all.
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