WealthTrace Financial Planning & Retirement Planning Blog
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by
Doug Carey, CFA
President
WealthTrace
I have written a number of articles about whether a certain amount of money would be enough to retire with. A million dollars. Two million dollars. I put a hypothetical couple through a hypothetical saving-and-spending scenario, and we see how it goes. I used the WealthTrace Financial Planner to calculate all of the scenarios in this article and you can do the same using our free trial.
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by
Doug Carey, CFA
President
WealthTrace
When we talk about "asset allocation," we are, broadly speaking, referring to where you're investing your money. Over longer periods, the more willing you are to take some risks with your money in the stock market, the better your returns will be.
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by
Doug Carey, CFA
President
WealthTrace
One definition of a worry-free retirement is not having to worry about where the money is coming from. As I have written before, "You are truly retired (or able to retire) when your passive income covers your expenses."
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by
Doug Carey, CFA
President
WealthTrace
For the more adventurous, real estate income is another way. Investing in rental property can be a compelling option for those who have the time, the handyman abilities, and the willingness to find and work with tenants.
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by
Doug Carey, CFA
President
WealthTrace
If you're retired, or close to it, you probably know the story. Income--especially guaranteed income--is hard to come by these days. 10-year treasuries yielded 2.3% at the end of November of this year. Ten years ago, that number was nearly double, at 4.5%; 20 years ago, it was 6.1%.
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