I am continually mystified about how some professionals look at allocating retirement funds. In 1994, a system was created that became the industry standard regarding how to blend bond and stock percentages. The concept was simple, take 4% of the entire retirement account value annually and you will never run out of retirement income funds. […]
“Changing expectations of inflation may have your advisor recommending TIPS. But you should know they don’t work like conventional bonds and may carry more risk.” Lyle Boss What exactly are TIPS? Treasury inflation-protected securities (TIPS) are a security issued by the U.S. Treasury. TIPS are indexed to inflation to offer investors protection against a decline […]
Laddering is a strategy that spreads out the maturities of different fixed-income vehicles. Laddering is often used to invest in certificates of deposit and bonds but can also be an excellent way to maximize an annuity’s value. -Lyle Boss. Some seniors hesitate to add an annuity to their portfolios because they fear missing out on […]
“If you want to create a lifetime income stream from your fixed index annuity you can either take a lump sum payment or turn it into a series of payments using an income rider.”- Lyle Boss Annuities were initially created with only one option for lifetime payments. An annuity purchaser had to take their lump […]
“It’s fantastic if you inherit an annuity, but you need to understand the tax implications and how to make them more favorable.” –Lyle Boss You cannot escape taxes if you inherit an annuity. Fortunately, though, understanding how inherited annuities are taxed can help you avoid paying more in tax than necessary. Your beneficiary status and […]
Social Security is a great program, but knowing when and how to claim your benefits can determine how much you collect. Here are seven potential problems you need to consider so you can maximize your Social Security income. 1: Remarrying Before Age 60 If your spouse dies, you will be entitled, in most situations, […]
10,000 a day join the ranks of retirees Since 2014 the number of Americans retiring has increased to 4 million annually, more than 10,000 a day. From 2014 to 2034, about 80 million seniors are expected to retire, which will strain Social Security and Medicare systems with the potential to lead to increased reductions in […]
“Money, like emotions, is something you must control to keep your life on the right track.” – Lyle Boss & Dave Anderson This is a great example of what happens when greed takes over and teaches you hard lessons. Frank retired in 1999, and at that time, interest rates were much higher than they are […]
“It’s not “if,” but when…” According to the National Bureau of Economic Research, as of July 1, 2019, the U.S. is officially in its longest expansion ever. For over 120 months, the economy has been growing. However, in recent weeks, there have been signs of a potential slowdown. While I tend toward optimism, I understand […]
Zero-coupon bonds pay no interest; you buy at less than face value. Zero-coupon bonds are bonds that do not pay interest during the life of the bonds. Zero-Coupon bonds are purchased at a discount, and they will fund the face value at maturity. A portion of the funds at maturity will be accumulated interest […]
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