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You may be looking at a smaller fixed income during your senior years, and you want to explore the best investment options for senior citizens that put your hard-earned money to work for you. At the same time, you're also looking for safe investments that carry minimal risk. Diversify Your Investment Portfolio The best investment option for elderly investors may be to avoid putting all your eggs into one basket so you can better manage your risk.
If you diversify your portfolio, you can spread your investments over numerous vehicles. By doing this, you won't lose everything if one investment takes a downturn. So in this regard, it works in a similar way as true investments. In this digital age, you can open a savings account with an online bank that likely pays a higher rate of interest than your local banking institution.
Savings Bonds Like savings accounts, U. But for retirees who take retirement in their early 60s, U. As of April , the annual interest rate on EE bonds is 0. The Series I savings bond also matures after 30 years. But the interest is a composite rate — one part of the interest rate is a fixed rate, and the other part is adjusted semiannually for inflation. For your investment in a CD, your bank will return the money you invest with interest, which is generally higher than the interest on a bank savings account.
Although you may have to pay a penalty if you withdraw your funds before the maturity date, you can cash them in if you need the money. You also have options for the term of a CD, which typically range from six weeks to six years, but you can stagger the due dates by investing in CDs with varying maturity dates.
Money Market Account Investments Money market accounts are interest-bearing investments composed of low-risk pools of investments such as savings accounts, CDs and Treasury bonds. Treasury Securities Investments Backed by the full faith and credit of the U. Four types of Treasury securities are: Treasury bills T-bills. Treasury bonds T-bonds. T-bonds have terms of 30 years, but they pay interest once every six months.
Depending on your age and the number of years you have until you retire, the recommended asset allocation looks very different. Asset Allocation by Age Here's a look at asset allocation through life's various stages. Of course, these are general recommendations that can't take into consideration your specific circumstances or risk profile.
Some investors are comfortable with a more aggressive investment approach, while others value stability above all else—or have life situations that call for extra caution, such as a child with disabilities. A trusted financial advisor can help you figure out your risk profile. Alternatively, many online brokers have risk profile "calculators" and questionnaires that can determine if your investing style is conservative or aggressive—or somewhere in between.
At any age, you should first gather at least six to 12 months' worth of living expenses in a readily accessible place, such as a savings account, money market account, or liquid CD. Some k plans offer matching contributions from the employer, which means they'll contribute up to a certain percentage of your salary to your k. You have the biggest advantage over everyone by investing right now: time.
Because of compound interest , what you invest during this decade has the greatest possible growth. Since you have more time to absorb changes in the market, you can focus on more aggressive growth stocks and avoid slow-growing assets like bonds. You still have 30 to 40 active working years left, so this is when you need to maximize that contribution.
Make sure to put in enough to get the company match in your k and consider maxing it out if you can. And max out your IRAs, too, while you're at it. You can still afford some risk, but it may be time to start adding bonds to the mix to have some safety.
If you're already on track, use this time to do serious portfolio building. However, "aggressive" doesn't mean "careless. Order your copy of the print edition of Investopedia's Retirement Guide for more assistance in building the best plan for your retirement. If you spent your younger years putting money in the latest hot stocks, you need to be more conservative the closer you get to actually needing your retirement savings.
Now is also the time to take note of what you have and start thinking about when might be a good time for you to actually retire. Getting professional advice can be a good step to feeling secure in choosing the right time to walk away.
Another approach is to play catch-up by socking more money away. The IRS allows people approaching retirement to put more of their income into investment accounts. Still, that doesn't mean you want to cash out all your stocks.
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FINANCIAL PLANNING TIPS FOR BEGINNERS - AGE GROUP 45 - 55FOREX CANDLESTICK TRADING STRATEGIES PDF CREATOR
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