Managing Risk In Your Retirement Portfolio
Financial Advantage Inc
By J Michael Martin
September 21, 2012
Managing Risk In Your Retirement Portfolio
RISK is the Seedbed of Great Opportunities
Traditional pensions are gradually disappearing from American culture. More and more of us will depend on our own investments to cover some or all of our living expenses during our “golden years.” Prospective retirees’ goals are pretty straightforward: to enjoy a satisfying retirement and to provide a meaningful inheritance for their families.
That dream seemed secure through the ‘80s and ‘90s when U.S. investors were enjoying steady double-digit annual returns from both stocks and bonds! But a strange thing happened on the way to retirement… the world got a lot more dangerous!
You already know that interest rates have become microscopic; socalled “safe” investments like bank accounts and government bonds pay less than the rate of inflation! And, of course, the value of the home that many of us were counting on as a retirement asset has shrunk. Well then, what about stocks, the supposedly highest-return asset class? We’ve seen stock values cut in half twice in the last 12 years!
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