A major concern of investors worldwide is the expectation for low returns for the foreseeable future. The consensus among economists, academics and other investment experts is that today’s low interest rate environment does not bode well for either future bond or stock returns. Furthermore, based on these same estimates, it appears unlikely that this situation …
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Despite two steep stock market declines in the last 13 years, baby boomers who are now retiring in droves have grown accustomed to earning strong returns on their savings and investments. Over the last 30 years the stock and bond markets returned roughly 10% and 6% respectively before inflation and about 7% and 3% in …
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Despite two major market declines in the last 14 years, the U.S. financial markets have been generous to investors and baby boomers have been perhaps the biggest beneficiaries. Over the 30 year period from 1980 through 2012 the stock and bond markets returned roughly 10% and 6% respectively before inflation and about 7% and 3% …
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Well-designed investment plans are simple, not complicated. Each investment complements the others and contributes positively to the portfolio’s performance. In simple terms, when an asset is added, it should either reduce the risk or improve the after-tax return. Unfortunately many investors make decisions ad-hoc, based on recommendations from the media and suggestions from others, without …
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Helping our children pay for college is one of the biggest and most important financial challenges that many families will face. Currently, a four-year education (tuition, fees, room and board, supplies and personal expenses) can range from $100,000 at a public university to over $240,000 at a private institution like Boston University. With expenses expected …
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Reason for Optimism

September 16th, 2013 | Posted by Sentry Financial Planning in Other Topics - (0 Comments)

Ballooning debt that threatens our country’s long-term prosperity, a polarized political system that seems more beholden to special interests than our national interests, and increased geopolitical tensions….. Opening the newspaper or turning on the news can cause even a steadfast optimist to lose hope. There’s no question we face big challenges in our country and …
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Last April, PBS Frontline aired a documentary titled “The Retirement Gamble” (now available online). It offers a sobering report on the problems with 401(k) type retirement plans in the U.S. and the obstacles facing working Americans in their quest to achieve a secure retirement. If you were already suspicious of the motives of some in …
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Investors, especially retirees, often use their portfolios to generate income. With bond yields and interest rates on CDs and money markets at record lows, these investors are searching for alternatives to meet their income objectives. Spurred by the headlines in some of the popular consumer finance magazines many of them are heading down what could …
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For many Americans the concept of a traditional retirement, thirty or more years of leisure after a productive career is neither realistic nor appealing. Increased life expectancy, better health, and the desire to remain active and productive into their 70s, 80s and even 90s, are prompting them to re-examine the concept of retirement. For some, …
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Anyone who has earned ten years of Social Security work credits is eligible to receive a Social Security benefit at retirement age. Your benefit amount is based on your earnings averaged over the 35 years you earned the most and the age you begin receiving your Social Security checks. The higher your lifetime earnings and …
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