Safe is good. Particularly, as we mature to our golden years, we want more comfort, safety and good health. Safest retirement investment means what is at risk with them, how to find them and most importantly, what is your risk tolerance.
The main purpose in the safest retirement investment is to your principal. The next safest retirement investment purpose is to provide interest income. Even though you want to have a safe investment, safest retirement investment has risk to them. For example, there are three:
*Loss of principalprotect
*Loss of purchasing power (depending how long you tie your principal up), due to inflation.
*Risk of liquidity. Needing your funds before maturity of your investment and having to pay penalties or early withdrawal fees.
Rule of thumb, sort of speak, is to keep three to six months of living expenses on hand depending on how secure your job is. Most people only have approximately two weeks on hand. The closer you get to retiring, safest retirement investments should be foremost for your portfolio.
To find safest retirement investments should include guaranteed principal. Where will you find such an investment? Social Security,
pension plans, savings accounts, c.d.’s (certificate of deposits),
government investing (treasuries, bonds), and annuities. Most investors exhibit poor judgment when it comes to pouring money into equities (stocks and mutual funds). Why? Very simply put, emotions.
For twenty years ending 2008, a survey of the S&P Index showed that the average return per year was 8.35. Could you take the roll-a-coaster ride of the stock market? The study shows that investors pull their money out when the market drops. They continually buy high and sell low by chasing what is called ‘trends’. This is irrational behavior to human reactions. Never sell equities in a down market.
Be brave and stay strong.
Now, that being said, safest retirement investments is in the science.
You’ve heard the expression, ‘they have it down to a science’. It’s proven academically that a disciplined approach to investing will give you higher returns. Many banks now have an investment department which houses brokers. Check with your bank. It can be a third party investment firm. These brokers can purchase a C.D. anywhere in the country in addition to bonds and annuities. See if you can do this yourself online with reputable companies (do your homework) to save commissions. In your quest for safest retirement investments, as with any investment, consult a financial specialist such as a CPA, accountant or tax attorney.
Ric Dalberri is a graduate of Columbia State University & has been involved in his own business (sold) employing over 100 people. As
well as being a top producer as a Financial Specialist for over a decade with one of the largest financial institutions in the U.S., Ric has many years experience in sales and management. Ric was also a mentor in
the financial arena as well as a volunteer teacher for Junior Achievement.
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When it comes to planning your retirement you will find that there are many options available to the savvy investor. The problem isn’t necessarily in investment opportunities but the knowledge that is needed in order to turn those opportunities into wild successes. For this reason alone, I recommend that your first stop along the path to financial retirement investment be at the door of a competent financial planner.
Most of are more than willing to go to the experts for advice when problems arise and yet for some reason have major problems seeking the services of those who are trained to assist us in our financial planning endeavors. You should consider your options carefully and decide what is in your best interest. The best way to do this is with the information that a good financial planner can provide and by listening to his or her guidance.
One thing you will probably be told is the importance of diversity in your investment portfolio. We all have been told many times never to put all of our eggs in one basket and the same holds true when it comes to investing your retirement. All investments are a gamble; some carry more risks than others. You must keep in mind that every penny you invest is subject to loss however and make your investment decisions by how much of a risk the particular investment presents and how much you are willing to lose if the investment doesn’t pan out.
Perhaps the most common investment choice for retirement funds is mutual funds. These offer the ability to invest long-term with lower risk than many other investment options you will come across. These funds present a higher risk than other investments but are a good moderate risk investment for those who have little knowledge of how the market actually works. There is a fund manager that is in charge of making the actual investment decision for the collective pool of the fund and his or her job to decide where to put the money for which they have been entrusted. This leaves the critical decisions out of your hands and off your mind.
If mutual funds seem boring to you, there are other higher risk investment opportunities in the form of stocks. I seriously recommend studying the market carefully and completely before making the leap into stock trading but this can be quite the short-term quick profit rush that you are looking for if you are willing to risk your retirement investment for the sake of increasing your net worth. If you do choose to invest in the stock market please take the time to learn the proper procedures, the risks, and the process before diving in. If you have a financial planner (and you definitely should) then he or she may prove to be an exceptional resource when it comes to the practice of ‘playing’ the stock market.
Securities are a very complicated process that many of us would feel better never needing to understand. If you need a little more adrenaline pumping, heart clutching moments when it comes to you financial retirement and are willing to risk the need to work for the rest of your life in the process you may find that this is just the boost for you. Be sure however, not to rest all of your hopes and dreams for retirement on the allure of securities trading as this is a very high risk field for those who do know what they are doing. For those who have little experience it can prove to be a financially fatal flaw.
Learning the ins and outs of the investment process in addition to the options that are available to you through the course of your own financial retirement planning is like going to war with the proper weapons and armor rather than a slingshot and a rock. The problem is that while there are some financial Goliath’s out there that are simply waiting to be tamed, most investment strategies present their own unique needs that should be understood and monitored.
We all know that sooner is much better than later when it comes to planning your retirement. The more money you sock away and the longer that money has to grow and work for you, the better the position you are in to enjoy your retirement to its fullest. With this in mind, you need to approach all of your retirement investments as long-term rather than quick turnover investments.
It is often tempting to risk it all for the promise of a high return on your investment but you must remember that with great reward comes great risk and most of the time your security is simply not worth that particular risk. There are several different types of long-term investments that you may find to be reasonable and even attractive investments.
Bonds are a popular long-term investment. These are very much like bank issued CDs with the minor exception that bonds are issued by the government. There are many kinds of bonds and you should research them all before committing to one over another. If you select the right bond you might find that given enough time your bond will double in value over time.
Mutual funds are another popular investment for long-term investors. These are pools of money that are combined in order to invest in stocks, bonds, and other short-term investment ventures including securities. These funds are handled by the fund manager who decides where and how the money will be invested. This leaves you to reap the rewards that his or her experience will bring in for you over time.
Stocks are another popular option for those interested in long-term investing. It should be noted that investing in stocks is much riskier than investing in mutual funds though the payouts when things go well are often much more substantial. If you decide to delve into the realm of stock market investment you should be aware that every transaction costs money, that you need to thoroughly research the ins and outs of this type of investing, and that you are taking a substantial risk with your retirement investment. You should also be absolutely certain that you thoroughly research the companies in which you plan to invest and only invest in companies that are well established and showing strong potential for future growth.
With any major financial decision you should consult your financial advisor for guidance and advice. His or her job is to help you turn your limited investments into as much money as possible in order to secure your future and your retirement. The guidance that a good financial advisor can provide when it comes to long term investing is invaluable and should not be discounted or taken for granted any more than the advice you would receive from a doctor or an attorney.
My favorite type of long-term investment is real estate. While there are those that will argue that the return on this investment is too minimal to save for retirement I would argue that the fact that properly maintained and rented units will pay for themselves over time making them pure profit when the time comes to sell or simply to maintain a monthly income throughout your retirement. The more rental properties you own the better your financial position and the more options you have when the time comes to sell those properties. Real estate is one field in which fortunes are made and lost on a regular basis. Rental property is the safest bet for most when it comes to long-term investment and the most significant return on investment. There are options that go well beyond buy and hold when it comes to real estate. If this doesn’t excite you perhaps rehabbing property or the even more speculative field of pre-construction investing will offer more appeal.
Long-term investments will be the primary fuel for your financial retirement funds and plans. You need to carefully consider the best possible option for your needs and work towards you financial goals.
Christine Benz’s bucket portfolios for retirees focus on simplicity, diversification, and low costs.
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The asset allocation of your 401k and IRA investments are very important, when was the last time you looked at them? The market bottomed out last year, did you panic? Did you sell all your mutual funds or stop your retirement contributions? Was it then? You can always protect your retirement and pension funds and weather any storm if you follow these simple rules.]
Check your retirement account frequently so that you can adjust your investment strategy as needed to minimize your losses and maximize your gains. Even when you put your retirement plan on autopilot, it still makes sense to keep on top of your 401k and IRA investments. Have the fees for your funds increased? Is it time to change funds? Check to see how your investments are performing in comparison to the other selections in your retirement plan. Check your retirement account frequently so that you can adjust your investment strategy as needed to minimize your losses and maximize your gains. Protect your Retirement Funds.
In today’s unpredictable market there will be changes to your original asset allocation securities values, even after just a few days. It is no longer a good strategy to have only one asset allocation plan for every market performance, especially when the market changes so swiftly. By selling any under-performing and buying better performing funds, you could be in for a really nasty surprise.
If you are going to get a cost of living pay increase or a promotion, how about putting a percentage of that increase into your retirement account? If you decide that you need to make a change to your asset allocation, consider adding additional contributions until you arrive at your new allocation. Incrementally increasing your contributions will go a long way into securing your retirement.
By checking your retirement account frequently, you can protect your 401k and IRA from funds that are under performing and ensure that you are invested in the best performing funds when the stock market is up. You do not want to continue to hold funds that are rapidly losing value and not buy more of the better performing funds. 52 weekly reports vs 4 quarterly reports. We will send you an emailed report every Friday evening with the most up-to-date performance details for the stocks/mutual funds you currently own or are eligible to purchase in your 401(k) or IRA retirement plan. You do not want to continue to hold funds that are rapidly losing value and not buy more of the better performing funds.
How do you protect your retirement?
Saving for retirement means navigating a potential minefield of high fees and bad advice. Billy Eichner and Kristin Chenoweth share some tips.
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Related Retirement Funds Articles
Featuring top performing Health equity mutual funds, which primarily invest in equity securities of healthcare and associated companies because this sector continues to show promise despite concerns about the impact of the new health care legislation. Even though, policy changes continue to be a substantial indicator to investing in the sector, those companies that have diversified into foreign markets, whose business models are based on information technology platforms or those that offer a wide range of products, continue to show promise.
Investors can find such health funds by checking out the entire list of the Zacks #1 Rank Health Equity Funds.
5 Health Fund picks
Franklin Biotechnology Discovery A (FBDIX) seeks long term capital growth. It was incepted in September 1997.
A large share of the assets of this health fund, at least 80{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}, are invested in equity securities of biotechnology companies and discovery research firms worldwide, including those concentrating on therapeutics, drug delivery, gene therapy. The health fund also invests in minor capitalization companies, those with a market capitalization of less than $ 1.5 billion. It also places a smaller part of its kitty in private or illiquid securities, such as late stage venture capital financings.
This health equity fund has an expense ratio of 1.32{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 1.91{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. As of July 2009, it has a portfolio turnover of 45{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 135{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. The funds top holdings include Amgen Inc, Gilead Sciences Inc and Celgene Corp. For the six-month period ended 30 September 2009, the health Fund’s performance was lower than its benchmark index, NASDAQ Biotech Price Index. However, the fund has exceeded its benchmark index for the 1-year period ended 31 March 2009.
Evan S. McCulloch has been lead manager of the health fund since September 1997. McCulloch is a designated Chartered Financial Analyst and has been with Franklin since 1992.
Eaton Vance Worldwide Health Sciences A (ETHSX) seeks capital appreciation by investing in a global and diversified portfolio of health sciences companies. It was incepted in July 1985.
This health fund invests in a worldwide health sciences portfolio. It invests in companies of all sizes, including those with lower market capitalizations. This health fund focuses on firms engaged in the development, production or distribution of products developed through healthcare research.
The fund has an expense ratio of 2.11{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 1.91{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. As of September 2009, it has a portfolio turnover of 54{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 135{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. The health funds top holdings include Johnson & Johnson, Roche Holding AG and Genzyme Corp. For the year ending August 31, 2009, the Fund had negative performance, primarily because of extreme pessimism in the broader stock market during the first half of the year. Nevertheless, the health Fund outperformed the S&P 500 Index, the MSCI World Pharmaceuticals, Biotechnology and Life Sciences Index (the MSCI World Pharma Index) and its Lipper peer group.
Samuel D. Isaly has been lead manager of this health fund since July 1985. Prior to his current assignment, Isaly was a president and partner with Mehta and Isaly Asset Management.
Fidelity Select Pharmaceuticals (FPHAX) was incepted in June 2001. This health fund seeks long-term capital appreciation.
A majority of this health fund’s assets, at least 80{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}, are invested in companies engaged in healthcare research and development as well as those involved in the production and distribution of drugs. The health fund invest in both foreign and domestic issuers and it is non-versified.
The health fund has an expense ratio of 1{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 1.91{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. As of August 2009, it has a portfolio turnover of 240{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 135{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. The funds top holdings include Johnson & Johnson, Pfizer Inc and Merck & Co. As of October 2009, the investment performance of the health fund compares favorably to its benchmark for the three- and five-year periods, although the fund’s one-year cumulative total return was lower than its benchmark.
Andrew Oh has been lead manager of the health fund since July 2006. Before his current assignment, Oh was director and senior pharmaceuticals analyst for Leernik Swann & Company.
BlackRock Health Sciences Opportunities A (SHSAX) seeks to provide long-term growth of capital. It was incepted in December 1999.
This health fund invests mainly in healthcare stocks of the Russell 3000 Index or in similar companies which includes foreign issuers. The fund invests in a wide range of companies, pharmaceutical, biotechnology, medical devices and healthcare services companies. It may invest in different types of instruments, common and preferred stocks, convertible securities, warrants and depository receipts. The health fund may invest up to 20{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} of its total assets in companies outside the health sector.
The health fund has an expense ratio of 1.43{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 1.91{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. As of June 2009, it has a portfolio turnover of 144{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 135{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. The funds top holdings include Alcon Inc, Pfizer Inc and Novartis AG. For the third quarter of 2009, the health fund outperformed its Lipper Health/Biotechnology Funds category average and its performance benchmark, the Russell 3000Health Care Index, but underperformed the broad-market S&P 500 Index. .
Thomas P. Callan has been lead manager of the fund since January 2005. Callan is a Chartered Financial Analyst and heads BlackRock’s Global Opportunities equity team.
Manning & Napier Life Sciences (EXLSX) seeks long-term growth. It was incepted in June 2001.
This health fund invests heavily in companies in the healthcare industry. It invests in domestic and foreign issuers, including American Depository Receipts (ADRs) and other U.S. dollar denominated securities of foreign issuers. The health fund is non-diversified.
The health fund has an expense ratio of 1.13{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 1.91{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. As of September 2009, it has a portfolio turnover of 98{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600} against a category average of 135{3813292df256cc7359db914c8bfffc508a0964aa786224d36d2cb21f4b33d600}. The funds top holdings include Covidien Public Ltd, Inverness Medical Innovations and Eclipsys Corp.
Jeffrey S. Coons has been lead manager of this health fund since November 1999. Coons is a Chartered Financial Analyst and joined Manning & Napier Advisors in 1993.
Discover Many More Funds
Learn more about the new Zacks Mutual Fund Rank and discover some of the best market-beating mutual funds by viewing our mutual funds section. This part of Zacks.com offers a variety of tools, including mutual fund research, a new mutual fund screener, helpful answers to frequently asked questions and quick access to prospectuses and other information.
By applying the Zacks Rank to mutual funds, investors can find funds that not only outpaced the market in the past but are also expected to outperform going forward.
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Are you worried about your job performance? Perhaps you have found your mood changing up and down like the stock market. In these tough times you can beat the odds and turn your fortunes around in a very simple way – pick up the weight loss challenge. Effective exercises, healthy diet foods and some Acai Berry top weight loss supplements should do an excellent job.
I have found that self-motivation is my best assurance and guarantee to success. When the stakes are high, it becomes easy to accomplish what was an otherwise daunting task. And believe me, the stakes are high! Even the politicians and Wall Street bankers seem to agree on this one. This is the best time to step up and demonstrate both superior performance and a peaceful focused attitude. Here are five simple steps to change your situation immediately:-
1. Get physically active. First, effective weight loss exercises should build your muscles and burn calories. Try a combination of cardio and strength exercises. Simple things like short sprints for cardio and weight lifting or push ups for strength will get you started on the right path.
2. Secondly, whether in the office or at home, avoid sitting continually for more than one hour. Stand, stretch and stroll briefly to relax muscles. You can sit straight and move your head up and down or side ways to reduce tension in your neck and arms.The effective exercises will increase blood flow to the head which results in better performance of your brain. It also triggers feel good chemicals while reducing stress causing hormones.
3. Regarding foods, skip the fatty foods, manufactured foods and high carbohydrate diets. Instead go for healthy diet foods consisting of healthy and nutritious fresh natural produce such as vegetables and fruits. This will stabilize your blood sugar and your mood too!
4. Also some fats like oils from fish and plants are rich in essential chemicals and vitamins necessary in healthy diet foods for top performance. The chemicals produce a calming effect leading to a better and stable mood.
5. Since our food production system is highly commercialized, it is increasingly difficult to get truly healthy diet foods. You don’t have to live with deficiency – simply add Acai Berry top weight loss supplements to your diet. This will help you improve metabolism and fat oxidation. The Acai berry is a super food loaded with essential nutrients and traditionally used for weight loss. Acai Berry Select supplement formulation has additional nutrients added from green tea for top performance.
Remember that for excellent results, things work better when you adopt a broad based approach that may require some lifestyle changes. For instance a lonely and idle person is likely to comfort themselves by taking more food. So get busy, look for healthy diet foods and start on the simple exercises and I guarantee you, it is going to be great fun.
How is that for performance enhancement with no external stimulus? Physical and mental fitness is a sure winner. You can take positive steps and change your life for better quite easily starting today.