AD Banner

Featured

3/featured/recent

footer about

Videos

6/cate2/videos
Adv (300 x 250)

Find us on Facebook

5/cate3/lifestyle

Advertisement

6/breakingnews/random

Instagram posts

About us

3/cate1/entertainment

Recent Comments

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
Copyright ©2019 by Mogtemplates

contact form

Name

Email *

Message *

Other News

[Related][recentmag]

EHI ONLINE LESSONS

EHI ONLINE LESSONS

Powered by Blogger.

Random Posts

World News

[World News][recentmag]
featured

Header Ads

Total Pageviews

Search This Blog

Blog Archive

Search This Blog

Latest

Brexit

Brexit

Football

Football

Random posts

5/cate4/random

Random Post

Adv (880 x 120)

News By Picture

pictures

Hot News

5/cate3/hottrend
Adv (880 x 120)

Labels

Hot News

[Hot News][recentmag]

Labels Cloud

Get In Touch
Footer Logo

Trending Posts Display

Labels List

Home Layout Display

Posts Title Display

Theme Layout

Theme Translation

Tech

tech

Games

games

Popular Posts

127 Likes
3,240 Followers
12.7k Subscribers
136 Followers

Pages

Recent Comments

How accessories make you a better lover. 18 ways devices are completely overrated. Operating systems in 12 easy steps.

Recent Posts

Adv (300 x 250)

Popular Posts

Trending Posts

Tags:

How to create an investment plan for retirement You know that if you want to make it through retirement, you need to plan now. And that planning should involve an investment plan. Your goals and individual needs will be a big part of the kind of investment portfolio you have to get you through your retirement years. Here are some steps to take in order to create your retirement investment plan: 1. Assess your risk: The first thing you need to do is consider your risk tolerance. This includes your emotional risk tolerance as well as financial. Decide how much risk you can handle, and consider your likely sources of income. Your asset allocation should be based around how much risk is appropriate as you work to build your investment portfolio. 2. Consider getting help: After assessing your financial situation, you need to determine whether or not you need help making a plan. There are plenty of free online calculators and tools that can help you, but you might feel more comfortable getting professional help. You need to decide, at that point, whether you just need a one- time session to work out a plan, or whether you need long term wealth management help. 3. Look at your possible withdrawal rate: Think about your expenses now, and estimate your expenses in retirement. Think about your goals, and what you want to accomplish. Figure out how much money you will need each month in order to meet your expenses - this includes insurance premiums, utilities, travel expenses and other expenditures. Most financial experts recommend that you withdraw 4percent of your assets in year one of retirement, and then adjust for inflation going forward. But your needs may be different, so consider this carefully. 4. Consider possible income streams: When building a retirement portfolio, you will need to consider the income streams that will cover your expenses. You can cushion your withdrawal rate by cultivating income streams such as businesses and web sites. You can consider Social Security and any pension or inheritance you might have. Look at your portfolio and determine whether you will need to shift some of your assets into income investments like dividend paying stocks and bonds. Some even purchase an immediate annuity to help provide an income stream, but you should carefully check to make sure such products are best for your situation. A part- time job or hobby can also provide some of the income you need. 5. Look at your liquidity: Make sure you have an adequate cash cushion in relatively liquid cash accounts such as CDs, high yield savings accounts, money market accounts and some bond funds (if appropriate for your situation). There might be some instances in which you need immediate access to cash. 6. Remember taxes: Finally, consider the tax implications of your retirement accounts and investments. Some retirement investment accounts, such as Roth accounts, grow tax-free, meaning you won’t be taxed on the withdrawals. Other, traditional, retirement accounts grow tax-deferred. This means your withdrawals, when you make them, are taxed as regular income. You will also have to consider capital gains taxes on other investment accounts. Consider withdrawing from tax-deferred accounts first, or rolling those accounts into Roth accounts and getting the taxes out of the way before taxes rise. As you begin investing in your future, make sure you put money into tax-advantaged accounts first. You’ll get more bang for your buck this way. Also, as the years progress, take stock of your retirement portfolio, and decide whether your asset allocation needs to be tweaked according to changing circumstances in income and risk tolerance. Many people shift their assets around as retirement approaches, preparing to live off their investments, rather than focusing on growing them. Add comment

By Ehijoshua (Jboss) → Monday, 15 October 2012

Post Tags:

Jillur Rahman

I'm Jillur Rahman. A full time web designer. I enjoy to make modern template. I love create blogger template and write about web design, blogger. Now I'm working with Themeforest. You can buy our templates from Themeforest.

61 comments to ''How to create an investment plan for retirement You know that if you want to make it through retirement, you need to plan now. And that planning should involve an investment plan. Your goals and individual needs will be a big part of the kind of investment portfolio you have to get you through your retirement years. Here are some steps to take in order to create your retirement investment plan: 1. Assess your risk: The first thing you need to do is consider your risk tolerance. This includes your emotional risk tolerance as well as financial. Decide how much risk you can handle, and consider your likely sources of income. Your asset allocation should be based around how much risk is appropriate as you work to build your investment portfolio. 2. Consider getting help: After assessing your financial situation, you need to determine whether or not you need help making a plan. There are plenty of free online calculators and tools that can help you, but you might feel more comfortable getting professional help. You need to decide, at that point, whether you just need a one- time session to work out a plan, or whether you need long term wealth management help. 3. Look at your possible withdrawal rate: Think about your expenses now, and estimate your expenses in retirement. Think about your goals, and what you want to accomplish. Figure out how much money you will need each month in order to meet your expenses - this includes insurance premiums, utilities, travel expenses and other expenditures. Most financial experts recommend that you withdraw 4percent of your assets in year one of retirement, and then adjust for inflation going forward. But your needs may be different, so consider this carefully. 4. Consider possible income streams: When building a retirement portfolio, you will need to consider the income streams that will cover your expenses. You can cushion your withdrawal rate by cultivating income streams such as businesses and web sites. You can consider Social Security and any pension or inheritance you might have. Look at your portfolio and determine whether you will need to shift some of your assets into income investments like dividend paying stocks and bonds. Some even purchase an immediate annuity to help provide an income stream, but you should carefully check to make sure such products are best for your situation. A part- time job or hobby can also provide some of the income you need. 5. Look at your liquidity: Make sure you have an adequate cash cushion in relatively liquid cash accounts such as CDs, high yield savings accounts, money market accounts and some bond funds (if appropriate for your situation). There might be some instances in which you need immediate access to cash. 6. Remember taxes: Finally, consider the tax implications of your retirement accounts and investments. Some retirement investment accounts, such as Roth accounts, grow tax-free, meaning you won’t be taxed on the withdrawals. Other, traditional, retirement accounts grow tax-deferred. This means your withdrawals, when you make them, are taxed as regular income. You will also have to consider capital gains taxes on other investment accounts. Consider withdrawing from tax-deferred accounts first, or rolling those accounts into Roth accounts and getting the taxes out of the way before taxes rise. As you begin investing in your future, make sure you put money into tax-advantaged accounts first. You’ll get more bang for your buck this way. Also, as the years progress, take stock of your retirement portfolio, and decide whether your asset allocation needs to be tweaked according to changing circumstances in income and risk tolerance. Many people shift their assets around as retirement approaches, preparing to live off their investments, rather than focusing on growing them. Add comment "

ADD COMMENT
  1. Okay, now you concluded that finding competitor links would not help for SEO.
    This SEO tool can do all the necessary searches for
    related websites where you can rightfully hyperlink along with
    your website and the other way round and giving you with the contact details of the websites so you will be able to access them.

    This has made it really effortless for the company owners online to enjoy
    success and profit.
    Feel free to surf my homepage ... http://proimblogger.com/market-samurai-review/

    ReplyDelete
  2. I'd like to find out more? I'd love to find out some additional information.
    My web site ; forex

    ReplyDelete
  3. Hi, i think that i saw you visited my website so i came to “return the favor”.
    I'm trying to find things to improve my website!I suppose its ok to use a few of your ideas!!
    Also visit my web site immobilien Kaufen Antalya

    ReplyDelete
  4. Unquestionably believe that which you said.
    Your favorite justification seemed to be on
    the web the simplest thing to be aware of. I say to you,
    I definitely get irked while people consider worries that they plainly don't know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will probably be back to get more. Thanks
    Here is my blog - Asuntoja antalyasta

    ReplyDelete
  5. Wow, that's what I was exploring for, what a information! existing here at this website, thanks admin of this web site.
    My site - Loma asunto Bodrum

    ReplyDelete
  6. Saved as a favorite, I like your website!
    Also visit my web-site ; panic attack

    ReplyDelete
  7. I've been exploring for a little for any high quality articles or weblog posts on this kind of space . Exploring in Yahoo I eventually stumbled upon this site. Studying this info So i'm happy to ѕhoω that I've a very just right uncanny feeling I discovered exactly what I needed. I such a lot unquestionably will make sure to don?t fail to remember this web site and give it a look on a relentless basis.
    My homepage - themakemoney.net

    ReplyDelete
  8. Excellent post. I was checking constantly this blog and
    I'm impressed! Very helpful info particularly the last part :) I care for such information a lot. I was looking for this certain info for a very long time. Thank you and best of luck.
    Here is my website :: how to get your ex back

    ReplyDelete
  9. Generally I don't learn post on blogs, but I would like to say that this write-up very forced me to check out and do it! Your writing style has been amazed me. Thank you, very great article.
    Look into my web site :: lägenheter i Alanya Turkiet

    ReplyDelete
  10. It's very simple to find out any matter on net as compared to books, as I found this paragraph at this site.
    Feel free to surf my website : properties for sale in alanya

    ReplyDelete
  11. Ӏ was pretty pleasеd to uncover thіs websitе.

    Ӏ wаnted to thank уοu for yοuг
    timе foг this particularly wondеrful read!
    ! I ԁefinitely lοved eνery little bіt of it and i also have
    you saved as a favoгite to check οut new stuff on your sіte.


    Alsο visit mу web ρage http://ionlinecasinogames.co.uk
    Also see my web site: casino online

    ReplyDelete
  12. I really like your blog.. very nice colors & theme.

    Did you create this website yourself or did you hire someone to
    do it for you? Plz reply as I'm looking to design my own blog and would like to know where u got this from. appreciate it
    My homepage http://boligityrkia.net

    ReplyDelete
  13. You ought to take part in a contest for one of the most useful sites on the internet.

    I most certainly will highly recommend this web site!
    Feel free to surf my webpage http://www.atlantagays.com/BrookKHM

    ReplyDelete
  14. Great article. I am dealing with some of these issues as well.
    .
    Have a look at my weblog send money online

    ReplyDelete
  15. Firѕt οff I ωant tο say
    awesome blоg! I hаd а quick question in ωhiсh I'd like to ask if you don't mind.
    I was interested to find οut hoω you centеr yourself anԁ сlеar
    уour thoughts bеfore writing. I havе had ԁifficulty clеaгіng my
    mіnd in getting my іԁеas out.
    ӏ trulу do enjoy wrіting howeѵer it just seems
    likе thе first 10 to 15 minutes are
    lost just trying tο figure out how to
    begin. Any recommenԁаtions or tiρs?
    Τhank you!
    My web site : fapdu

    ReplyDelete
  16. You should take part in a contest for one of the finest blogs online.
    I most certainly will recommend this blog!
    Take a look at my web-site ; elephanttube

    ReplyDelete
  17. Good ԁay! Thіs is my fiгst vіѕit to yοur blog!
    We aгe a group of vоlunteerѕ and starting a new initіatіve іn a community in the ѕаme niche.
    Υour blog proѵided uѕ bеnеficіal infοrmаtіοn to ωоrk оn.
    You hаve dоne а outѕtandіng
    job!
    My web-site ... twink cam

    ReplyDelete
  18. Hello friеnds, good post аnd fаstidious
    urgіng сommented herе, I am tгuly еnjoyіng by thеse.
    Here is my web blog ; sextube

    ReplyDelete
  19. Way сoοl! Some very vаliԁ pointѕ!
    I apρгeсiate you writіng this artiсle and аlso the гest of the
    ѕіte is гeаlly goοd.
    Here is my web site http://tube8images.tumblr.com/

    ReplyDelete
  20. Heya! I just ωanteԁ to ask if уοu ever havе any issues ωith hacκers?
    My last blog (ωoгԁpгeѕs) waѕ hacked and
    I ended up lοsing months of hаrd ωorκ due
    to no back up. Dο you havе any solutions tо prevеnt hacκers?
    Also visit my blog : kasino online

    ReplyDelete
  21. Thank you for the auspicious writeup. ӏt in fact was
    a аmusеment acсount it.
    Loοk аdvаnced to far adԁed agrеeablе frоm you!

    Howеver, how could ωe cоmmuniсate?
    My blog post :: Hurtig Lån

    ReplyDelete
  22. Fаntastic beat ! I would lіke to apprentice while уou amend your site, hoω coulԁ i subsсribе for a blog sіtе?
    The aссount helped me a ассeptable dеal.
    I haԁ been а little bit acquainteԁ of this youг bгoadcast offегeԁ bright
    cleaг iԁea
    my website - penge nu

    ReplyDelete
  23. Thanks for sharing your info. I truly appreciate your efforts and I am waiting for your next post thanks once again.



    My web site weight loss
    my web site > weight loss

    ReplyDelete
  24. Way cool! Some extremely valid points! I appreciate you writing this post plus the rest
    of the site is extremely good.

    My site ... weight loss

    ReplyDelete
  25. Good site you've got here.. It's difficult to find quality writing like yours nowadays.

    I seriously appreciate people like you! Take care!!

    Here is my blog post: weight loss

    ReplyDelete
  26. Hey there! This is kind of off topic but I need some advice from an established blog.
    Is it hard to set up your own blog? I'm not very techincal but I can figure things out pretty quick. I'm thinking about setting up
    my own but I'm not sure where to begin. Do you have any points or suggestions? Cheers

    my blog post: ads shown

    ReplyDelete
  27. Thank you a bunch for sharing this with all folks you actually recognize what you're talking approximately! Bookmarked. Please additionally seek advice from my site =). We could have a link trade arrangement between us

    Take a look at my blog post ... weight lost

    ReplyDelete
  28. Hello there, just became alert to your blog through Google, and found that it is truly informative.
    I am gonna watch out for brussels. I'll appreciate if you continue this in future. Lots of people will be benefited from your writing. Cheers!

    Visit my web-site - Free casino slots online
    my page :: Recommended Studying

    ReplyDelete
  29. A person necessarily assist to make severely posts I'd state. That is the first time I frequented your website page and thus far? I surprised with the research you made to make this actual publish extraordinary. Excellent task!

    Here is my homepage :: Ipad 3 Pris
    Also see my web site: Vind En Ipad

    ReplyDelete
  30. Can I simply say what a comfort to discover someone
    that really knows what they are talking about on the web.

    You certainly know how to bring a problem to light and
    make it important. More and more people need to look at this and understand this side of the story.

    I was surprised that you're not more popular because you surely possess the gift.

    my web site: vinddennyeipad3.dk

    ReplyDelete
  31. Very nice post. I just stumbled upon your weblog
    and wished to say that I have truly enjoyed browsing your
    blog posts. After all I'll be subscribing to your rss feed and I hope you write again soon!

    Here is my weblog ... http://casinoonlinecasinos.dk
    Also see my web page > http://www.lo8s.com--com--www.lo8s.com/casinoonlinecasinos.dk/

    ReplyDelete
  32. Piece of writing writing is also a excitement, if you be acquainted
    with then you can write or else it is difficult to write.


    my webpage rapid weight loss
    my web site > weight loss methods

    ReplyDelete
  33. This is my first time pay a visit at here and i am really happy to read everthing at
    alone place.

    Also visit my web-site ... lose fat

    ReplyDelete
  34. Hi! I just want to give you a big thumbs up for your excellent info
    you have right here on this post. I am coming back to your blog for more soon.


    my blog green tea and rheumatoid arthritis

    ReplyDelete
  35. Right here is the right blog for everyone who wishes to understand this topic.
    You realize a whole lot its almost tough to argue with you
    (not that I really will need to…HaHa). You certainly put a new
    spin on a subject which has been discussed for decades. Excellent stuff, just wonderful!


    my web page - difference between arthritis and rheumatoid arthritis

    ReplyDelete
  36. I have been exploring for a little for any high quality articles or weblog posts in this sort of
    space . Exploring in Yahoo I eventually stumbled upon this
    site. Studying this information So i am glad to exhibit
    that I've an incredibly good uncanny feeling I came upon just what I needed. I such a lot surely will make sure to do not fail to remember this web site and give it a look on a continuing basis.

    Here is my page; http://www.youtube.com/watch?v=YWF4AFSGbJk

    ReplyDelete
  37. you're in reality a excellent webmaster. The web site loading pace is amazing. It seems that you are doing any unique trick. Also, The contents are masterpiece. you have performed a magnificent job on this topic!

    Review my web page - how to make money fast

    ReplyDelete
  38. Healthy water can help increasing human body function
    and make human can live longer. Article
    Source: L. However, Chlorinated water produces by products such as trihalomethanes (THMs), which can cause cancer,
    birth defects and other health problems.

    Also visit my web page :: http://www.mknet360.com/

    ReplyDelete
  39. Pretty! This was an extremely wonderful article. Thanks for supplying this info.


    Review my web-site :: penny stocks to watch this week

    ReplyDelete
  40. You made some decent points there. I checked on the web to find out more about the issue and found most individuals will go along
    with your views on this web site.

    Here is my blog - binary options calculator

    ReplyDelete
  41. Have you ever thought about adding a little bit more than just your
    articles? I mean, what you say is valuable and everything.

    But just imagine if you added some great photos or videos to give your posts
    more, "pop"! Your content is excellent but with images and video
    clips, this website could certainly be one of the very best in its niche.
    Terrific blog!

    Look at my blog :: http://www.youtube.com/watch?v=VLOMm8qK07w

    ReplyDelete
  42. I think that is one of the so much important info for me.
    And i am satisfied studying your article.
    However wanna statement on some common issues, The site style is
    perfect, the articles is actually great : D. Good process, cheers

    Stop by my web page ... binary options india

    ReplyDelete
  43. Link exchange is nothing else however it is only placing the other
    person's webpage link on your page at proper place and other person will also do same for you.

    Visit my weblog - options trading strategies

    ReplyDelete
  44. Healthy water can help increasing human body function and make human can live longer.

    At $98. The specific technique in RO will work will be as follows:
    Reverse osmosis pushes the liquid through the semi-permeable membrane.


    Here is my website :: reverse osmosis water Filter arsenic

    ReplyDelete
  45. What's up to every one, it's in fact a fastidious for me to
    pay a visit this web site, it includes important Information.


    Also visit my web page; http://www.youtube.com/watch?v=Hvp7gf54shQ

    ReplyDelete
  46. Great article, just what I needed.

    Feel free to visit my web site: http://www.youtube.com/watch?v=PWAvUBrzmjU

    ReplyDelete
  47. Hеya! I understand this іs ѕort of off-topic but I
    hаd to ask. Doеs operatіng a well-eѕtablished webѕite such as yours гequігe a lot of work?
    I'm brand new to operating a blog but I do write in my journal on a daily basis. I'd lіke to start а
    blog so I wіll be able tο ѕharе my experiencе anԁ vіews onlinе.
    Please let me know іf you have аny kind of
    iԁeas or tips for new aspiring blog owners. Thankyou!



    Review my website - adultwebcam.in

    ReplyDelete
  48. I'm not sure exactly why but this website is loading incredibly slow for me. Is anyone else having this issue or is it a issue on my end? I'll check bаck lаter οn and see if the pгoblem ѕtill еxіѕts.



    my blog pоѕt :: shemale porn

    ReplyDelete
  49. Resident's individuals are head over heels about the addition of all the SM700 blender inside the activities therapy sectors. Connector Indiana Lanne Impact Juice extractor should be responsible systems for making that do permanently alternate in preference of the kitchen connoisseur. Every piece sits of which it has to. We heard, currently the machine will be close to a two power website in addition to every one of Vita Merge websites have a speediest # 2 horsepower + prime and greater.

    Also visit my website - used mixers bakery

    ReplyDelete
  50. Very nice post. I just stumbled upon your weblog and wanted to say that I've really enjoyed browsing your blog posts. After all I'll be subscribing
    to your rss feed and I hope you write again soon!


    Stop by my web-site :: binary options trading

    ReplyDelete
  51. I'm truly enjoying the design and layout of your site. It's
    a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often.
    Did you hire out a designer to create your theme? Fantastic
    work!

    Review my weblog: cedar finance withdrawal

    ReplyDelete
  52. Everything is very open with a precise clarification of the
    challenges. It was truly informative. Your website is very useful.
    Many thanks for sharing!

    Feel free to visit my web site - Cedar Finance Company

    ReplyDelete
  53. Hi to every one, as I am really keen of reading this blog's post to be updated regularly. It consists of good stuff.

    My homepage - how to become a sucessful online trader at cedar finance.com

    ReplyDelete
  54. First of all I want to say wonderful blog! I had a quick question in which I'd like to ask if you don't mind.
    I was curious to find out how you center yourself and clear
    your mind before writing. I have had a difficult
    time clearing my thoughts in getting my ideas out. I do take
    pleasure in writing but it just seems like the first 10 to 15 minutes are usually
    lost simply just trying to figure out how to
    begin. Any recommendations or tips? Cheers!


    My webpage ... automatic forex trading - -

    ReplyDelete
  55. Hello there! This article couldn't be written much better! Looking through this article reminds me of my previous roommate! He always kept talking about this. I most certainly will send this information to him. Pretty sure he's going to have a good read.
    I appreciate you for sharing!

    Feel free to surf to my blog ... weightloss

    ReplyDelete
  56. Good pοst. I lеarn ѕomething
    nеw and challenging οn websites Ӏ stumblеuρon on a daily
    bаsis. It's always exciting to read content from other authors and use something from other websites.

    Also visit my website: http://freebonusonlinecasino.org

    ReplyDelete
  57. What is a good accounting software for accounting practioners?



    Feel free to visit my page: tax accountants south perth wa

    ReplyDelete
  58. Heу are usіng Wοrdpress for your blοg
    platform? I'm new to the blog world but I'm tгying to get started anԁ create my οωn.
    Do you require аnу html cοԁing еxρеrtiѕe to maκe your оwn blοg?
    Any help wοulԁ be grеatly appгесіated!


    Looκ intο my blog Fast Business Loan

    ReplyDelete
  59. Finding simple ways to make money at home can be much
    easier than you think. Place business cards with referral link in public
    restrooms. Write a simple article about the product and why people need it and how
    it may help people.

    My blog :: How to make money online easily 2013 (http://www.youtube.com)

    ReplyDelete
  60. It is reаlly a nicе and useful piece of info.

    I'm satisfiеd that уou ѕharеd thiѕ useful info wіth us.

    Plеase stay us up tο datе like this. Thank уou
    for shaгing.

    Look at my wеbsite ... Fast Business Loan

    ReplyDelete
  61. Hi, i think tҺat i saww you visited my blog thus i came to
    “return the favor”.I'm attempting to find things to improve my site!I suppose its ok to use a few oof
    your ideaѕ!!

    Feel free tо visit my webpaye - family holiday ideas

    ReplyDelete