Tag: retirement

Will Obama's Chained CPI Help Keep Inflation from Eating into Your Savings?

Posted on by The INO.com Team

This week we examine ways in which inflation nibbles away at your retirement income, especially in light of the President’s proposal for Chained CPI adjustments to Social Security. The formal title is Chain-weighted Consumer Price Index and it’s a variation of how the government figures out what is what we would call "inflation." Either way, with the low rates on offer from CDs and other "safe" investments, investors who don’t take action fall behind every year.

Unfortunately, the numbers show what most people don’t want to face: the days of relying on Social Security plus a few stable bonds and CDs are long over. To earn decent and sustainable returns, investors must search beyond traditional safe havens. Continue reading "Will Obama's Chained CPI Help Keep Inflation from Eating into Your Savings?" →

When Should You Take Social Security? 62 or Full Retirement Age?

Posted on by The INO.com Team

My wife, Jo, started receiving Social Security as soon as she could. When she wondered aloud how much larger her checks would have been if she'd waited, I said, “It makes no difference! You are already four years ahead of the game.”

When we applied at the local office, the agent kept reminding her of the big raise she would get if she waited until full retirement age, or better yet until she was 70. Stop with the hard sell; she wanted it at 62, period!

Why did she take it early? To illustrate, I did a little investigating on the Social Security Administration's website and used its retirement planner. Continue reading "When Should You Take Social Security? 62 or Full Retirement Age?" →

Cash Alternatives: Making Money Work for You

Posted on by The INO.com Team

Just what are "cash" and "cash options?" Some of us take those terms for granted, but after a recent article on sector allocation, one of our subscribers wrote in asking for clarification. Money Forever recommends holding approximately one-third of your portfolio in cash or cash options, but what does that really mean?

To clear up any confusion, "cash options" are not publicly traded options. "Cash alternative" is probably a more appropriate phrase.

I had a pleasant surprise over the holidays, as my own baby-boomer children struck up several kitchen-table discussions. They are wrestling with how to fund their children's college followed by their own sprint to the retirement finish line.

My daughter Dawn said it best: Continue reading "Cash Alternatives: Making Money Work for You" →

Is The Government Rolling the Dice on Your Financial Future?

Posted on by The INO.com Team

We are not currently giving you MarketClub's daily updates, but we decided to keep you informed nonetheless. Adam has just finished with the Perfect "R" Portfolio. This portfolio represents a long term, conservative trading strategy (perfect for retirement, IRA and 401K accounts.) The Perfect "R" Portfolio recaps the big moves from 2010 in addition to the results from Q1 of 2011. If you are a more conservative trader, this is the portfolio for you!

Get your personal copy of this informative 11-page report now for FREE!

Best,
The MarketClub Team