Retirement Planning - How To Build a Better Nest Egg
Fed up with brokers, stock analysts and TV's financial experts exhorting you to "buy and hold" and "stay the course" in your retirement plan?
You should be. For years Wall Street has told you and other investors, "Trust us. We'll do all the planning for you. Just sit back and relax, and everything will work out well." That made sense in the 1990s when the stock market was an easy game.
Retirement Planning - A Game You Can Win!
Today the rules of the game for retirement planning have changed. But the brokers, analysts and experts haven't altered their game plan, and millions have suffered. Retirement accounts are down substantially and dreams of an early or golden retirement have disappeared for many. With the Street now mired in accounting scandals, bankruptcies and corporate fraud, the credibility of the brokers, analysts and experts is gone. We hope you have come to a conclusion we reached many years ago: The one who cares the most about your retirement planning--the only one you can really trust-is you. We hope you've decided that it's time to take control of your retirement planning. We hope you won't be spooked by those who say that investing is too time consuming, too complex or too risky without the aid of a professional. Perhaps you're ready to tell those professionals, "What have you done for me lately?"Would You Invest 10 Minutes a Week to Save Your Retirement?
That's it. Ten minutes a week to reverse your fortunes and start down the road to financial security. Ten minutes. That's less time than it takes to walk the dog or wash the dishes. This is your retirement, after all-a mighty big deal. Tens of thousands, perhaps hundreds of thousands of dollars are at stake. All it takes is some planning and direction. In our Retirement Funds Management section, we'll show you how to protect your investments and grow them by following one of our model portfolios. Each portfolio is geared toward a particular retirement planning style depending on age, long-term goals and comfort with market risk. The Retirement Funds Management section is invaluable for any type of retirement plan-401(k), 403(b), IRA, etc. It includes planning and investing options for current retirees who are liquidating their plan but want to add low-risk profits to their personal accounts. In those 10 minutes of planning each week, you'll monitor your model portfolios, make changes in allocations in your own accounts based on our planning recommendations, and learn about products and services that help to maximize returns. Following our lead, you'll jump into stocks and bonds when those markets are throwing off profits, and you'll jump into the safety of cash when the markets are falling apart. In and out, seizing opportunity when it is presented, adjusting our holdings depending on market risk, and laying low in cash when danger is present-that's our way of planning for retirement. Sure, we'll miss the absolute tops and bottoms of trends. That's OK. To paraphrase legendary investor Bernard Baruch-"I always bought my stocks a little late, and I usually sold them a little early, but I made a fortune in between!" So can you with a little planning.
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Double-Digit Returns!
When we developed our Retirement Funds Management section, it was a chance to put our investing philosophy into real-world practice. The result - an average annual return of 11.9% in 2003-04. Preservation of capital is the essence of our philosophy. We don't believe in the "buy and hold" approach for retirement planning. We shift between stocks, bonds, cash and other investments depending on market conditions and the overall trend. Some buy and hold devotees-and that includes much of Wall Street-might boast returns of 20-30% in good market years like 2003. But those same folks were down 50% or more from 2000-02 while we sat safely in cash or in low-risk fixed investments. Our model portfolios were developed to provide choices for retirement savers of every stripe. We don't believe in a "one size fits all" approach.- The Aggressive Portfolio is for investors in employer-sponsored plans with decades to go before retirement. You can take significant market risks because you have plenty of time to recover from possible setbacks.
- Our Mainstream Portfolio is for a more conservative investor, probably with fewer years to go before retirement than the young folks.
- The Conservative Portfolio is ideal for folks within a few years of retirement age. You're No. 1 goal is protecting your assets, but you welcome the opportunity to make profits in stocks and bonds when conditions are right.
- The IRA Portfolio is geared toward investors with a relatively long time frame, 10 years or more, before retirement. It's different from the first three portfolios because an IRA holder is able to trade individual stocks and Exchange Traded Funds (ETFs). Like an employer-sponsored plan, we can use mutual funds for stocks and bonds, but unlike your 403(b) we have the entire universe of funds at our disposal.
- The Retiree Portfolio is for people already in retirement. You want no risk or very low risk for the vast majority of your holdings, but you earmark a small amount of money as risk capital. It is similar to the IRA portfolio because it can employ individual stocks, funds, ETFs, etc.
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