Tracey Anton shares investment advice on local radio:
What's Behind a 4% Withdrawal Recommendation for Retirement Accounts?
Perhaps you're retired or are living on an inheritance. You have capital and need additional spending money each year. The secret is withdrawing consistently at a rate that will not eat up your capital. In fact, you would like your capital to grow! Yes! That's possible and not unreasonable.
Some advisors and products like to scare you. They quote low percentage withdrawals of 4% and want you to purchase an annuity effectively willing them the principal in your account. A good deal for them, bad deal for you and your beneficiaries. Googins and Anton helps people spend more and pass on everything remaining to loved ones. Don't settle for less. Listen here: Living on Retirement
Will your money last you through retirement? Read more -->
In the News:
Tracey Anton dancing with Donald Driver
- Big Brothers Big Sisters Gala 2013
Friday July 12th was a wonderful evening where many in our area came together to support an agency that enhances our community.
Thank you Big Brothers Big Sisters for all you do.
more photos -->
- A market
to do so.
- A debt
is a creditor,
not a shareholder.
- A market
to do so.
- A tradable
DIVERSIFICATION - One of the most effective ways to reduce risk is to diversify your
portfolio. No one type of security, asset class or investment manager provides the best performance over all time periods. So a range of investments should reduce the risk of each of the investments.
- The amount
of a corporation’s
- A person
- An asset
- The ability
of an investment
to be easily
to no loss
and a minimum
- A public
- The New
- An agreement
at a stipulated
- An investor’s
- A legal
of a security
- The amount
as a percentage.
- The measurable
returns. A way of reducing risk is to diversify
Risk cannot be eliminated but, it can be managed. Assessing risk and potential investment returns should be in the context of your goals and your timeline.
Types of Risk
Investment market risk - the possibility that all investments in a market sector, will be influenced by an event.
- Investment specific risk - the possibility that a particular investment may under
perform compared to competitors.
- Market timing risk - the possibility that the investment may be sold at a time when the sale price is at a low-point or purchased when the sale price is at a high-point.
- Inflation risk - the possibility that your investment return is below the inflation rate, which reduces the spending power of your money.
- Credit risk - the potential failure of a debtor to make payments on amounts they have borrowed.
- Interest rate risk - the possibility that your investment will be adversely impacted by a fall or rise in interest rates.
- Legislative risk - the possibility that a change in legislation will impact the appropriateness of certain investments.
- Liquidity risk - the ease with which you can sell or liquidate your investments. Some investments impose exit fees or have limitations on withdrawals. Other investments may be difficult to sell due to a lack of buyers.
- The paper
- An instrument
in a corporation.
- The current
- The extent
is of return;
of our Investment
November 2014 : You don't have to be Steve Jobs or Bill Gates -- just invest in them -->
October 2014 : Classic Fall Downturn? Why markets rise and Fall.
July 2014 : DJIA and S&P reach all-time highs; the U.S. Economy is the world's plow horse
April 2014 : a slow start to 2014 - but not a bad year so far. Not too hot, not too cool.
December 2013 : 2013 was a GREAT year for investors ... but look for corrections in 2014.
2013 Mid-Year Report : Consolidated Account Summaries; DJIA increases; Gold prices drop in an improving economy.
May, 2013 Home ownership, Commercial Real Estate, Biggest Mistakes Clients make.
February, 2013 Oil extraction innovations have decreased foreign oil imports. Plus, the Federal Reserve & the Government.
January, 2013 American Taxpayer Relief Act, Bonds Continue to Rake in the Money
December, 2012 Fiscal Cliff, S&P across Administrations, Investment in Market makes More Money over the Long-term
July, 2012 Mid-year 2012 letter to investors: S&P, Europe & Oil Futures rally in first 6-months of 2012.
June 1, 2012 The patient investor remains committed to investing as the way to build wealth.
December 15, 2011 : In a volatile market, a balance between stocks and fixed income/bonds yields an average of 8%.
August 15, 2011 : It's never as good or as bad as they say it is -- we ARE resilient
August 1, 2011 : It's a GREAT time to buy stocks
May 2011 : Recovering markets, the S&P, Oil is in the news
March 2011 : Getting Used to Panic; Accessing Saxony/Pershing Accounts; Last Minute Tax Info.
February 2011 : 2010 Indexes
December 2010 : Your end-of-year to do list: convert IRAs to Roth IRAs & more
September 2010 : Yo-Yo Markets
August 2010 : Income Tax Increases Coming In 2011: What will happen in 2011?
July 2010 : As we pass the midway point in the 2010, we note significant tax changes.
June 2010: Savers vs. Investors: Investors tend to be compensated for taking risk and living with uncertainty - especially in the long term.
February 2010: positive factors in the current recovery and the New Estate Tax
January 2010: Roth Conversions – They’re Complicated!!
January 2010: Looking ahead in 2010