Sandra Baublitz's Blog - Posts Tagged "retirement"

The investing world can often seem very confusing to the beginner. From mutual funds to hedge funds, stocks to commodities, many people find it hard to trust what to do. However, it can be much simpler. Investing in a few index funds or exchange-traded funds can give you all the diversity you need. It is true that indexing isn't perfect. Neither is any other investing plan. Indexing's strongest feature is its simplicity. You can keep fees low and only have to rebalance once a year. The less fees you pay, the more money you keep. The simpler the plan, the more time you have for more important activities in life.

Owning a home is the great American dream. It is often touted as an ideal way to save for the future and build equity. But as the Great Recession has shown, home ownership has its disadvantages as well. Is a house an asset or liability?

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What is the question most people ask themselves prior to retiring? The answer: Am I financially ready? There are several things an investor can do to answer this question.

Do you know what they are?

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Retirement is a big step requiring advance planning. There are many decisions to make to determine if you are ready. 20 Retirement Decisions You Need to Make Right Now by Ray E. Levitre can help with retirement planning.


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Investing is necessary for anyone's future. It is important to stay motivated to weather the ups and downs in investing. Each of us has our reasons to invest. Knowing your reasons can keep you motivated.

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Will Social Security benefits be there for you? That is the question many of us ask ourselves. The answer is murky, but we can prepare ourselves for a secure future.

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The biggest concern retirees have is maintaining a stream of income. Stock market volatility and economic crises can put a dent in a portfolio. One way to ensure sufficient income is to use the bucket method.

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No one wants to run out of money in retirement. Determining the best way to draw down a portfolio for spending is a hotly debated topic. There are many strategies available to consider.


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One aspect of financial planning involves how much income a retiree will need for spending. A recent study in the Journal of Financial Planning studied retirees' time. One can deduce from the results that retirees spend their time on less expensive activities which reduces their income needs.


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