When planning for retirement, it’s important to make several assumptions concerning expected investment returns, life expectancy and inflation. If you utilize conservative assumptions regarding these factors, your chances of not running out of money will improve. However, according to David Blanchett, the head of retirement research for Morningstar, stocks are likely to return in the…

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When looking for more stability and higher yields, many investors are turning to preferred stocks. These securities have some characteristics of regular stocks but also have some characteristics of bonds. According to Barrons, they are currently paying higher yields than junk bonds at an approximate rate of 6 percent. Many of these stocks are issued…

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For those looking for conservative growth with higher yields than bank products, fixed annuities can be an attractive option. Fixed annuities are contracts with insurance companies that provide for tax-deferred interest payments that go into the contract owner’s account.   The term of a fixed deferred annuity can vary but it is typically between three…

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Many deferred annuity owners have seen their accounts appreciate over the years without having to pay any taxes. However, at some point someone is going to have to pay taxes. The question is, how does one mitigate the impact of taxes?   When a deferred annuity owner takes withdrawals from his or her account, the…

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