Anyone who has contributed to an Individual Retirement Plan (IRA) is likely aware of the plan’s primary restriction, namely that you cannot withdraw the money until you reach the age of 59½. At the same time, the government didn’t want this restriction to be too onerous, so rather than making it impossible, they simply decreed…
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What prompted the writing of this post was a radio commercial I heard the other morning while commuting to work. It was from some real estate firm that promised to teach me how to buy, hold, and sell properties with no money down and no risk. Imagine that: no risk! How could anyone turn down…
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Since 2005 the population of individuals aged 65 and over in the U.S. increased from 36 million to over 50 million. It’s expected to double to nearly 100 million by 2060. When you take into account the fact that these seniors own over 75% of all financial assets (according to the Securities & Exchange Commission),…
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I’ve written before on the subject of cognitive decline. Prior research has indicated that (1) it increases with age and (2) you won’t know that it’s occurring (see At Some Point You Need To Stop Investing). A recent British study on retired civil servants concluded that there are some things you can do in retirement…
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The media reported that the Dow’s plunge of 1100 points on Monday was the biggest point drop in history. While that sounds scary, keep in mind that media reports are intended to be dramatic. Put in broader perspective, the percentage drop (which is the more important measure) was 4.6%. That’s the biggest single day loss…
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Pardon me for paraphrasing a catch phrase from a ubiquitously marketed credit card. But were you aware that you actually have a lot of flexibility in terms of the investments you can choose to put into an IRA? Besides stocks, bonds, mutual funds, and ETFs, you can invest in real estate, gold bullion, and in…
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