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pshrpug | As a 50 year old woman, how do i plan for my future financial needs? |
Looking for info on investing |
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Doing the Right Thing
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I do not know your current financial situation or know your risk assessment to sudden changes in the stock market, so it would be impossible for anyone to answer your question.
CDs and Bonds are not going to accumulate enough interest by the time you reach 64 or 65. Plus they are risky investments when you need them before they mature. Leaving money in a savings account is definetly not going to accumulate enough interest since most savings account have interest rate less than 1%.
Base on your age, the key to securing retirement is to invest into conservative and aggressive growth mutual funds in a Roth IRA. Conservative funds allows growth in your portfolio while preserving capital. Aggressive growth allows your investment to grow at higher rate. That way, when you retire, you are using your investments and at the same time, your investments are growing too because you have no idea how long you are going to live.
If you are able to max out your IRA each year (i think the contribution limit for 2006 is $4000). Then a variable annuity may be something you should look at too. It guarantees to pay VARIABLE monthly income for life. Its variable because stock market is always changing every day. Variable annuity is only recommended if you are able to max out your IRA or need to move cash value from a life insurance policy.
Base on your age, you should get a Roth IRA first and if you are able to meet the minimum investment required for variable annuity, go get a variable annuity. Also, you might want to put away some money in money market accounts. It works just like a savings account, except rate of return on money market account is always larger than savings account.
P.S. People who say you should invest in No-load mutual funds really don't know what they are getting themself into. While it is true you are not paying fees or commissions to anyone, operating expenses and other costs associated with the mutual fund are always higher than front-end (Class A shares) or back end (Class B shares) funds. These expenses are paid from your portfolio, which in turn, affects your rate of return in the long run.
Investors should always check the prospectus carefully before deciding to invest in a mutual fund. |
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Charles B
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Start when your twenty |
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efrankpaca83
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Before all, need good insurance |
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takeitez2
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SInce I don't know anything about your fiancial planning to date, it wise to give only generic advice.
Pick an investment vehicle such as a 401k or an IRA. With either you'll want to choose low cost Mutual Fund Companies, suchas T.Rowe Price or Vanguard by selecting one of their so-called Strategic Funds. With these your investment options are tailored to one's age. So at 50 your investments are becoming rather conservative meaning lightening up on the volatile stock market and adding more to bonds.
Now I know right now doesn't look good for either, but if you add in a portion of REITs, International and US Treasuries in the long run, say 10-20 years you'll know that at least you'll gain ground if you periodically re-allocate your growing nestegg. By adding a certain % each pay period, say 5% to 15% you will hardly notice the missing amount.
Also if you venture into Exchange Traded Funds, don't add monthly as each transaction adds a fee to you potential gain. Invest in one fell swoop.
Then too remember that if your Company pays any matching funds in your 401k at the bare minimum allocate up to what they will match. If you don't then you are throwing away free money.
Remember it's never too late because if you start now, you'll be better off then if you sudden;y wake up at 65 & see how little help Social Security will really be. Compounding interest is the most powerful matematical tool we have.
I have an uncle that responds to the question: "What interest rate are you paying?" He says: "Interest? I don't pay interest, I collect it". |
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smcmsam
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Sorry to say this, but if you are just starting to think about it, then you are going to find the future very difficult. Do you have a 401K or any type of retriement plan through work? Do you have any stocks/bonds/cds IRAs? Do you have any solid investments (house, car, boat, personal business)? All of these would help. |
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neelakh
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take a health plan to provide for your health needs as you get older. invest in a good balanced or bond fund in a systematic way. take a pension plan from any of the good insurance companies. finally, if you can do anything to earn money, like from home or baby sitting or making pickles or cookies etc., start it so that gradually it translates into a steady stream of money. always plough back 10% of whatever you earn either by way of returns or earnings. since your age is on the higher side, this is the best advice i can give. for a woman , there is one more option. find a good person around your age who is also lonely, and marry him. it will comfort both of you. |
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carmeehoon
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You can invest in internet business. Go for the internet business, which requires less of your time and the one that will not make you feel headache with web designing, or which require IT knowledge. Second, choose the internet based company which offer you the opportunity and at the same time giving you the convenience to start the business. Third, choose the business, which does not require big money to start it.
All the above is only available from: http://www.website.ws/cybalgua
Honestly, I tried so many opportunities offered through the internet and this is the only one that really works.
PLEASE NOTE: You only will understand the whole marketing concept if you read every details & the trial period is FREE!
General Information:
COMPANY NAME: Global Domains International Inc
LOCATION: CA, USA
CORPORATE INFORMATION : Login here: http://www.freedom.ws (YOUR ACCESS CODE IS: cybalgua)
Remember, You CAN'T guarantee whether you will get many fish or not by spreading your net into the sea, but u CAN guarantee that there is no fish at all if you never spread your net into the sea. |
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tigertiggerii
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The best way is to find an agent or rep. who specializes in helping you to meet your goals. You need to put together a plan which will help you to meet your ending goal howver you need to figure out what that is first, then how you are and what is needed to get there. I don't know what stateyou are in, however I can recommend someone to you and you can ask if they can assist you. |
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jmatt_inc
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at being 50, i would invest in short term notes at the bank, between 6 mths to a year. CD or ee or i bonds. u can invest 25 dollars and in 6 months be 50 dollars. take 5000 worth of bonds and in 6 months have 10000 and grow from there. it might take some shopping around to get the most money back but you can build a nice cash flow in a short time |
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grizgirrl
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I am a 46 year old woman, so I can understand your position.
If you have no pension or retirement account (e.g, 401K, etc) from an employer, you can still save for your retirement or other plans. CDs or Bonds are definitely an option and allow more liquidity (you can cash them in once they have "matured").
You might want to concentrate on no-load mutual funds, so you are not paying any fees to anyone when purchasing or selling the fund. Mutual funds need not be part of an retirement strategy (e.g., IRA), allowing you to liquidate the funds whenever you want.
Check out this website:
http://www.bobbrinker.com/pitopics.asp?sub=-1313657161
Bob Brinker is an investment guru and has a great education section on his website. He believes that good investing is all about education, that is why he offers so much free information on his site. He also hosts a radio program I would wholeheartedly recommend.
You should also read more about Roth IRAs. Unlike a classic IRA (investment retirement account), you do not pay any taxes on the funds when you withdrawal them for retirement purposes.
http://www.bobbrinker.com/pitopics.asp?sub=162443197&tut=340734933
Whatever you do, avoid annuities like the plague.
Remember, you can work as long as you want and are able to. Some of us prefer that over a traditional retirement. Working keeps us alive and young, besides making money for day to day expenses. |
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