7 Things You Need to Know About MARKET CORRECTIONS

7 Things You Need to Know About MARKET CORRECTIONS

Bears symbolize a falling stock marketPhoto by Becca on Unsplash 1. A stock market correction is defined as a 10% decline in valuations, such as when the S&P 500 stock index falls by 10% or more from its previous high. When the decline exceeds 20%,...

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5% Dividend Yield for Income in a Low Interest Rate World

5% Dividend Yield for Income in a Low Interest Rate World

Retiree Earning Income from Dividends Instead of Low-Yielding Bonds Low Interest Rates The Fed is likely to hold its short-term interest rate near zero for at least five years. This is a challenge for retirees and others who need stable sources of income. Depressed...

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Investing for Inflation

Investing for Inflation

US Dollar After Inflation The US Federal Government’s massive $5.6 trillion expansionary policies through July 31, 2020 mitigated much of the short-term economic damage from the government-mandated shut-down, but is causing many investors to worry about impending...

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10 Ways to Improve Your Retirement Investments Now

10 Ways to Improve Your Retirement Investments Now

Consider the following 10 ways to improve your retirement investments during the pandemic: Do increase long-term investment allocations to stocks while interest rates are depressed. At current low interest rates on high-quality bonds, a diversified portfolio of stocks...

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Retiring During the Pandemic

Retiring During the Pandemic

For people planning on retiring soon, the Covid-19 pandemic produced two new factors to consider: Lower Interest Rates reduce income. Retirees will earn at least ¼ less income from their bond holdings now than January 2, 2020, as shown in table below.Higher Risk....

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3 Steps to Know When You Are Financially Ready to Retire

3 Steps to Know When You Are Financially Ready to Retire

Determine the Resources You Will Need to Sustain Your Living Expenses Once You Stop Working A common question people ask is “Do I have enough money to retire?” The answer depends on several factors. This 3-Step guide will help you determine the resources you will need...

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Stock Market Returns Averaged 10% Since 1926

Stock Market Returns Averaged 10% Since 1926

Although the S&P 500 index returned 10%, on average, since 1926, the actual return in each year was 10% +/- 2% in only six of the past 93 calendar years. In most years, the index’s return was outside of the range—often above or below by a wide margin—with no...

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Estate Planning Tips for Couples and Surviving Spouses

Estate Planning Tips for Couples and Surviving Spouses

These excellent estate planning tips for couples and surviving spouses appeared in the March 30, 2019 edition of the Wall Street Journal. I'm posting the key tips and a link to the article for easy reference. Take key steps for advance planning: ☑️ Hire an estate...

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