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The Internet Guide To Planning Your Retirement



 

 

Retirement Planning Investing - Balancing Risk & Reward

The type of investment portfolio most likely to "work" for a prospective retiree in their 60s with a few hundred thousand dollars worth of savings is likely to be quite different from the investment portfolio most likely to "work" for someone in their 30s or 40s, employed full-time, and planning retirement only in the long-term. 

In contrast, a completely different case might exist for a very young multi-millionaire who has sufficient capital to retire off of only reduced returns, and who therefore can afford to completely avoid virtually any conventional investment risk.


Sometimes the age-old warning advising us not to "carry too many eggs in one basket" over-extends itself to gratuitous simplicity. There are, indeed, a number of good reasons why certain retirees should invest only in bonds and not at all in stocks. 

Does this mean they've lumped all of their "eggs" into only one "basket?" Of course not! Provided that such an individual purchases a diverse portfolio of bonds, they've actually succeeded in placing numerous "bond eggs" in their basket. If they add stocks, they may only be adding more baskets or, worse, attempting to balance a few less stable eggs on their forehead while carrying around their bonds in a sturdy basket. 

Of course, retirement planners will sometimes advise otherwise... But why? Typically, because they earn commissions and/or very simply... because they get paid to sell various investment vehicles or to secure your money in a "managed" account that "benefits" from constant activity. 

Get an edge on your own investment strategies by learning and understanding the basic concepts PRIOR to discussion with advisors or planners. 

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