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Retirement Income

If you are like most of us, you’re not rich, a trust fund baby, or independently wealthy. Therefore, you need to plan for your retirement by saving for it from the time you start working. Ensure all your money that is saved (preferably on a monthly basis) is invested in the available mutual funds and ETF’s of your 401K or IRA. Review the investments on a periodic basis to ensure the investment fits your retirement strategy. This can be accomplished by consulting with an investment adviser or financial planner. Make sure they are vetted and ask for credentials. Once You reach retirement age, feel comfortable retiring, and have saved enough money to afford to do so, you need to have your money invested in such a way that monthly income is generated for you and your spouse. This interest or dividend income is automatically deposited into your brokerage account when they are paid by each investment. This is usually on a monthly or quarterly basis.These days, when technology is readily available and at your fingertips, you can use your computer to access your brokerage and bank accounts, review investments, track both growth and income, and set up a monthly electronic transfer of money to your checking account to pay your monthly bills, afford vacations, indulge your grandchildren, and live on. Reviewing of your investments should be done with your advisor and tweaking based in your investment strategy. Make sure you invest for the long run and you don’t buy and sell investments based on short term swings of the market. This is a sure way to lose money – chasing ups and downs in the market.Most brokerage houses such Merrill Lynch, Fidelity, Schwab, Ameritrade, etc. can set up this automatic transfer in your brokerage, IRA, 401K accounts to whichever bank has your checking account. What you need is to fill & file forms at your local brokerage office or do it online. To do this, you need your checking account number and the routing number for your bank. This information you can get from a blank check. Once the forms are filled and signed and the transfer set up is done, you’re ready to go. You need to do this with all your retirement accounts such as your 401K, pension plans, Profit sharing plans, IRA’s, Roth IRA’s, 403B’s, Social Security, and any other pension plans that you have. Each account, no matter where they are saved or who holds them, can set up a direct deposit to your checking account each month or when you need it. This will ensure you have enough money in your checking account when you need it.You need to monitor your investments to make sure they are performing as you expected and if the investment strategy, industry, market changes, you need to make adjustments to your investments as appropriate. Consult with investment advisor or financial planner as needed to make sure you are doing all the right things for your investments and you and your family. Finally, as things change in your investments, you need to keep an eye on the cash flow and ensure enough cash is coming in to satisfy your monthly needs and that you have enough cash in a cash or savings account in your brokerage account to cover the monthly transfer of cash. If you have any questions, consult with your financial advisor or your brokerage house.

Investing for Retirement

Every Wealth Advisor whom I talked to about my future says the same thing, Make sure you have saved six month’s worth of expenses ASAP. This rule applies whether you’re single, married, or with a lot of dependents. The figure changes based on the expense level but the same rule applies. This will help cover monthly household expenses if you or your spouse lose your jobs, falls sick, or worse. 
I guess this applies to your situation no matter what. I listened to a finance show on the radio and the expert mentioned the same thing for a business. Make sure you can cover six months worth of expenses to weather a downturn. They were talking about a business that had unpredictable earnings and what it would take to feed the animals while there was no revenue coming in. The six month rule applied.
I was thinking about the rule for anyone who is out there and needs to feed a family and maintain a household. The six month rule applies. You need to save enough to cover six months of expenses no matter what: while looking for a new job, changing jobs, or working a seasonal business. 
Beyond that, you need additional savings to cover for the likelihood of needing a new roof, furnace, college expenses, vacation, new car. Whatever the case, a savings account with enough money needs to be created and nurtured. This allows you to have peace of mind and not exhaust savings, raid an IRA, or worse borrow to pay for the expense.
Finally, you want to start a 401k, 403b, IRA, or other retirement vehicle and save as much as you can afford to save (monthly) for that retirement which will come faster than you think. This savings account will enable you to have peace of mind that when you can no longer work or want to retire, you will have a nest egg that will supplement your social security income to cover your living expenses then. This will leave you free to pursue your dreams and do the things you want to when you’re retired. 
The rule of thumb is to save enough, by the time you retire, to cover living expenses for the rest of your life. This will supplement your social security and pension income and ensure you can live comfortably when you can no longer work or choose not to. You want to hit your mid 50’s knowing that you have enough savings to retire comfortably in your old age. It is nice to know that when you’re ready for that retirement, whenever it is, you have a nest egg waiting for you so you can enjoy your retirement doing what you like to do such as traveling, gardening, spending time with your grandkids, meeting friends, pursuing your dream, writing, hiking, etc. 
So, start saving now and make sure that your savings are invested wisely in the stock market so that your nest egg can compound and grow enough to afford that retirement and help you along the way as you meet your life necessities. Be sure to meet your financial or investment advisor and work out a plan of action. They can help chart your future and ensure you’re investing wisely.
Have you started saving yet??

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