5 Things You Should Never Do When The Stock Market Goes Down

“As soon as the stock market has another dip, I will be ready to get more aggressive”. I hear this from almost every investor during the good times when the market is heading higher. Then, we get the downfall and…crickets. Sure, everyone knows it is better to buy low and sell high. However, in theory this is a little more difficult. “What do you mean … Continue reading 5 Things You Should Never Do When The Stock Market Goes Down

Why You Should Never Listen to Stock Market Forecasts

Last year at Christmas, my aunt told me how she had made significant money on Bitcoin. On a boat ride her son’s friend told her about the cryptocurrency, and she bought some immediately. Now, she was up nearly 400% and this represented a big chunk of her retirement assets.  There at the family Christmas party, I begged her to sell it. Sell three quarters, sell … Continue reading Why You Should Never Listen to Stock Market Forecasts

Using BulletShares to Create an Easy Bond Ladder for Retirees

10 years ago if you wanted to create a bond ladder you needed a lot of money.  To buy many different bonds at differing maturities you had to have at least $500,000 or so, just to make sure you got proper diversification without extraordinary commissions and spreads. This was just the beginning though, as researching and picking individual bonds for a bond ladder is not … Continue reading Using BulletShares to Create an Easy Bond Ladder for Retirees

Using a CD Ladder as a Social Security Replacement Strategy

For a lot of people, delaying and starting social security later makes sense. I typically find that about 50% of my clients need to delay social security in order to live the retirement that they want. The other 50% won’t ever go through their money anyway, so they are perfectly fine starting early. The other day, the former situation occurred. While going through a detailed … Continue reading Using a CD Ladder as a Social Security Replacement Strategy

Retirement Income Portfolio:  Dividend Stock ETFs

Bonds have been yielding almost nothing for years and stocks have been rip roaring for the past decade, which has made high yielding dividend stocks very attractive.  People have been looking for high-yield and high-growth investments for years, and dividend stocks have delivered. Would you rather earn 2% per year investing in U.S. treasury bonds, or 4% in dividend stocks, while also getting double digit … Continue reading Retirement Income Portfolio:  Dividend Stock ETFs

The Bucket Retirement Investment Strategy

The goal in retirement is to have an investment strategy that creates a steady stream of income while minimizing downside risk.  Yet, the strategy needs to be aggressive enough in which your account can grow and keep up with inflation. There are many investment management philosophies but the the investment strategy I prefer is a bucket approach. The bucket investment strategy will help you grow … Continue reading The Bucket Retirement Investment Strategy