Retirement Investing

Retirement Savings Rule 1: Reduce Investment Risk as the Day Nears

This is the VOA Special English Economics Report , from voaspecialenglish.com | http Today, retirement can mean different things. For many Americans, it means the end of the money-earning part of their life and the beginning of a period of enjoyment. But retirement calls for planning and savings.In many countries, employers may offer some kind of retirement savings plan. The plan could be linked to the company’s stock or to a managed investment service. Almost any financial planner will say workers should use these plans to save money easily: often directly from their wages. But an employer plan should not be your only way to save for retirement.Pete D’Arruda heads his own financial planning company and gives retirement advice on radio shows and television. He tells people to save whenever possible. But he says as retirement nears, you must take fewer financial risks. “There’s three stages of life there when we look at it. There’s the part where you’re earning money. And when you’re earning money, if you have a salary, it makes it easier to take risk because you know that if you lose the money you can go back and earn some more.” By risks, Pete D’Arruda means investing in stocks and other financial instruments that can lose value quickly. He says people should move money away from riskier investments as they age even if there is a possibility of a higher rate of return. Instead, investors nearing retirement should seek more secure investments for their savings. “But then …
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When Should I Retire? – Joseph Leonard Retirement Investing Expert

In today’s economy its a big question – should I retire and when? We’ve got a retirement expert here to help you answer those questions – we are joined by retirement investing specialist Joseph Leonard www.theretirementvault.com He’s also the author of The Retirement Vault – A Guide to Protecting Your Assets in an Age of Uncertainty. so what is an age when you should retire? Well, most people want to retire at 60 or 65 but with the recent economic downturn a lot of people are looking at another 5 years another 10 years. So 70 is looking more like the age when people say now is the age I can retire because they haven’t taken the proper retirement investment steps.
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Discover How To Invest Profitably

Discover How To Invest Profitably
The Investing And Stock Market Guide To Profitable Investments
Discover How To Invest Profitably

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Becoming A Millionaire Investing In Real Estate

Becoming A Millionaire Investing In Real Estate
This E-book Will Give You My Methods Of Investing In Real Estate Rentals And Becoming A Millionaire In Net Worth
Becoming A Millionaire Investing In Real Estate

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Entrust New Direction IRA Reports Self-Directed IRAs Bolster Sagging Real Estate Market

(PRWEB) August 18, 2011

One well-known and troubling economic consequence of the current real estate crisis is the shortage of qualified buyers for the glut of available properties. Entrust New Direction IRA, Inc, a self-directed retirement plan services company, reports an increase in real estate purchases within self-directed retirement accounts. Bill Humphrey, principal of Entrust New Direction IRA, said, “This economic climate could be an investors dream, but many investors are coming from outside of the United States. Thankfully, we’ve seen a big increase in American real estate investors take control of their retirement savings and choose their own investment strategy with real estate, which can help the economy and the country.”

According to RealtyTrac, the amount of foreclosure filings in the US totaled to more than 219,000 in April, 2011 alone. While the marketplace is becoming a homeowners? nightmare, it is also, in many ways, a real estate investor?s dream come true. Unfortunately, a lot of these investors are coming from outside of the United States. According to an article by Julie Schmit of USA Today, “Foreign buyers are being enticed by low U.S. home prices, down 30% nationwide since peaking in 2006, and the weakened dollar, which makes their money go further.” So, as Americans, we find ourselves in a situation in which our inability to participate in our own economic recovery is opening the door for foreign investment.

However, there is an emerging trend in retirement investing that may give a much-needed boost to the economy. A segment of retirement investors are investing in their retirement dreams through purchase and repair of distressed homes. This strategy has potential to revitalize both hard-hit retirement savings and foreclosure-filled neighborhoods. The change is fueled by a growing number of investors looking for alternatives to traditional Wall Street investments and instead seeking opportunity in Main Street America. These investors are using an investment tool referred to as the self-directed IRA to take control of their retirement savings and choose their own investment strategy.

Since the inception of IRAs, the IRS has allowed a wide variety of investments, including real estate, in individual retirement accounts (IRAs). Up to this point, stocks and bonds have been the most common assets purchased for retirement accounts. When one considers that the banks and brokerage firms that typically hold IRAs make commissions on the transaction of stocks and bonds, it becomes clear how these investments have come to dominate the IRA world. When the market has been handled well, these investments have produced a good return for its clients. However, market volatility over the past few years has inspired many investors to look for more investment options. IRS rules for individual retirement accounts allow for broad diversification that include such assets as precious metals, private equity, notes, and real estate.

This is the gap into which the self-directed retirement investor steps. As more and more people become aware of their ability to have their retirement funds invested in real estate, the supply of potential money to purchase real estate has increased. An IRA purchase of real estate produces two major benefits. First, the retirement account acquires an asset capable of providing an excellent return on investment. Whether a property is the only asset or just one of many, it can increase the worth of the account via rental income and/or appreciation. Second, reducing the supply of available real estate stabilizes that market which is a significant contributor to the nation’s economy. As Dr. Lawrence Yun, Chief Economist for the National Association of Realtors states, “Absorption of inventory is the key to price improvement, …”

The net effect is that the IRA makes money, and it contributes to economic recovery. Could the self-directed IRA as an investment tool single-handedly revive a booming real estate market? Likely no, but self-directed IRAs do possess an under-utilized power for achieving significant positive change in our country.

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Section 1, Part 1: How to get the most from your investments in retirement

Paul Merriman, founder of Merriman Inc, an investment advisory firm in Seattle, discusses what he believes are the most important steps to take in order to become a successful investor.

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DC Plan Investment Council Elects Board Members Black, Davis, Gannon, O?Shaughnessy, and Rieck

DC Plan Investment Council Elects Board Members Black, Davis, Gannon, O’Shaughnessy, and Rieck

East Granby, CT (PRWEB) August 03, 2011

On July 18, 2011, the DC Plan Investment Council elected its first Executive Board. Two rounds of voting led to the election of Timothy J. Black, AIF® (Senior Vice President, Mosse and Mosse Associates), Jim O’Shaughnessy, AIF®, PRP™ (Managing Partner, Sheridan Road Financial), Patrick J. Rieck, CRPS®, QPFC, QPA,QKA, AIF® (Executive Director, National Retirement Distribution Manager, Morgan Stanley Smith Barney), Stephen Davis (Head of Mid Market Sales, ING), and Matthew D. Gannon (Director, Defined Contribution Investment Solutions, MFS Investment Management).

The Council had decided to form an Executive Board to provide oversight at its May 25-26, 2011 Annual Planning Meeting in Chicopee, MA. The five-member Board includes representatives of each segment of the membership: advisors (2 seats), practice leaders, service providers and investment managers (1 seat each).

Formed in May 2009, the Council includes Professional Retirement Plan Advisors, Practice Leaders, Service Providers and Investment Management firms. “I am honored to be part of the newly formed DC Plan Investment Council Executive Board. I look forward to working with this esteemed group of industry professionals to help develop new practices that will better serve the retirement services community.” says Board member Jim O’Shaughnessy. “The Council seeks effective solutions for institutional plan sponsors and their employees to continually improve retirement planning outcomes. I know that all segments represented in the Council are vigorously dedicated to this mission, and I am pleased to assist in leading the Council to achieve its goals.” adds Board Member Tim Black.

The Council met by conference call on July 19th, immediately following the elections and the Board held its first meeting July 20th to discuss its decision making process and to provide broad directions to Executive Director Eric Henon. The Board will hold its first in-person meeting August 9, 2011 in Chicago.

About the DC Plan Investment Council

The Council advocates for successful qualified plan and participant retirement outcomes through the collaborative efforts of experienced, qualified retirement plan advisors, investment firms and asset managers, and defined contribution plan service providers. The Council accomplishes this mission by its focus on:

Identification of duties, responsibilities and attributes of the professional retirement plan advisor.
Sharing our professional standards with plan sponsors who are responsible for the success of their plans.
Providing collective thought capital to decision makers, product providers, legislators and the public.
Giving voice to the retirement plan advisor community.
Tools to evaluate advisors, ensuring the quality of services needed for successful retirement outcomes.
Learn more about the Council at http://www.dcpicadvisors.com

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Zero Down Real Estate Investing.

Zero Down Real Estate Investing.
How To Invest In Real Estate With No Credit And No Down Payment. Simple Step-by-step Directions. Site Has Excellent Conversion.
Zero Down Real Estate Investing.

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Real Estate Investment Opportunities.

Real Estate Investment Opportunities.
This Unique E-book Is Virtual Encyclopedia Of Real Estate Investment Opportunities And Real Estate Service Businesses.
Real Estate Investment Opportunities.

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Global Investment Strategies

Global Investment Strategies
World Class Investment e-learning programs, for retail and institutional investors. Learn the smart way to trade and invest in Forex and Equities.
Global Investment Strategies

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