Income, Growth or Both? |
July 31, 2013 |
Allen Trimble, Fixed Annuities, Income Riders, Index Annuities, Member Posts, Variable Annuities
Written By: Allen Trimble in San Antonio, TX Annuities are often touted by insurance agents as the “be all, end all” investment. Want to grow your money? Great! You can invest in the stock and bond markets or even various alternative asset classes, through variable annuities, if you are willing to take risks for higher potential growth. Don’t want to risk losing money in the markets, but not happy with CD rates? No problem. You can generally earn higher interest in a fixed-rate annuity, plus...
View Article
Would You Rather Be Rich? |
July 15, 2013 |
Allen Trimble, Index Annuities, Member Posts
Written By: Allen Trimble in San Antonio, TX When I talk with folks about their retirement income, or planning their retirement income, we discuss various savings and investment vehicles that we could use. This discussion often runs the gamut, from CDs to gold to the stock market and just about everything in between. Not surprisingly, most people in or near retirement want to know that their money is safe and that their income is or will be secure and sustainable. What could be worse, financially...
View Article
Market Timing and Mutual Funds |
July 3, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble in San Antonio, TX Much has been written about mutual funds over the years. On one end of the spectrum, mutual funds have been credited with the “democratization of investing” by making the stock market available to virtually everyone; on the other, they are demonized as if they were Wall Street ponzi schemes! Much of the negative press about mutual funds is due to their complex and sometimes hefty fee structures, and much of it has to do with the “all-in...
View Article
What’s Your “ROI”? |
June 25, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions Recently I met with a client for his bi-annual review to discuss his portfolio, more specifically his retirement income plan. He wants to retire in three years, and he asked me what “ROI” he needed in retirement to maintain his desired standard of living? As many of you may have done, he had done some research and come across the “4% Rule” which has been the bedrock of retirement income planning for most brokers and advisors for...
View Article
Finding Financial Stability In Retirement |
June 19, 2013 |
Allen Trimble, Member Posts, Retirement Planning
Written By: Allen Trimble | Secure Money Solutions When I talk with folks about their retirement, about their portfolios in retirement and about income in retirement, one word that often comes up is “stability”. People naturally want stability in retirement. They want stable portfolios that grow consistently and earn reasonable rates of return. They want stability of income, meaning that if they are taking income from their portfolios, that income is secure and sustainable. But there is so much uncertainty in the world today that...
View Article
Does Your Nest Egg Contain Sticks of Dynamite? |
June 4, 2013 |
Allen Trimble, Member Posts, Retirement Planning, Your Retirement
Written By: Allen Trimble | Secure Money Solutions For years, many investors have held bond funds as a way to buffer their portfolio from the volatility of the stock market. Ironically, bond funds have provided more of the returns than stock funds, in many portfolios, over the last 12 or 13 years. Now we may be approaching a point where your portfolio needs a buffer from both stock and bond funds! What many folks don’t realize is that we have been in a bull market...
View Article
An Age-Old Investor’s Dilemma |
May 30, 2013 |
Allen Trimble, Member Posts, The United States Economy
Written By: Allen Trimble | Secure Money Solutions With the stock market at all-time highs, an age-old “investors dilemma” is on many folks’ minds: should I Buy, Sell, or Hold on? Of course, the answer to that question depends not only upon your current position relative to the stock market (are you currently invested in the stock market?) but also on your unique situation. This missive is not intended to give investment advice, but rather it is intended to help clarify our thinking. For example,...
View Article
