Ways to Boost Income on Retirement Holdings U.S. News & World Report (blog)
Which approach is best?You're right about the different approaches.
Joy Slabaugh's annuity approach and preservation mode would be perfect for the couple who have amassed enough to draw 4% or less of their portfolio in their retirement years and not dependent on any future growth. Her suggestion about non-traded REITs will add an out-sized amount of risk although. This sort of investment hinges too much on the resale value of the underlying properties and the relatively short maturity some of these securities have. I hope she tells retirees about the ability (or willingness) of the REIT to not only determine the maturity on their debt but whether refinancing short-term debt might be a problem in the near future.
I like Erika Safran's approach and her warning off the conservative investor by suggesting that "peace of mind" comes at a cost. If you consider the 30-year time horizon, switching too early or too much into fixed-income investments is akin in some ways to suggesting that someone fresh to the workforce buy bonds.
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Telegraph.co.ukHealth insurance for men: what are the best options?Cheaper, and far more widely bought, is critical illness insurance, which is often sold to those taking out a mortgage along with basic life insurance. Rather than pay directly for private treatment, this insurance is designed to pay out a tax-free
