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own. And wealth is required for a comfortable retirement. It’s having enough income to live your dream. Income comes from what and how much you own. While you still are working and


receiving a paycheck, you must make regular contributions in ever- increasing amounts to investments that increase your ownership. The earlier you plan to retire, the more you have to contribute to make up for the decreased time you have to invest. You also should research and learn about the power of com- pounding, averaging down/dollar- cost averaging, portfolio allocations, and making volatile (up and down) markets work for you. Read more at www.moaa.org/investing. The averaging-down strategy


Deerfield is one of the best things


“Moving to


we’ve ever done!” - Judy & Joe, Deerfield residents


It’s a comment we hear often from new Deerfield residents. They delight in our location and their new-found friends, love our state-of-the-art amenities, and feel safe, secure and well cared for by our expert staff.


Call to schedule a visit and learn how you can thrive at Deerfield – in body, mind and spirit.


is key for most paycheck earners. Understand why a market has to go down in order for regular contribu- tors to retirement plans to build wealth. You can’t be a slave to mar- ket swings and the media. You must have a strategy. Closing in on retirement, you


AN EPISCOPAL RETIREMENT COMMUNITY www.deerfieldwnc.org


1617 Hendersonville Rd. Asheville, NC (828) 274-1531 press 1


66 MILITARY OFFICER MARCH 2014


can’t risk the economy/market dumping because you need the as- sets for retirement. It’s important to plan for down markets and learn about allocation diversification. As you get within 10 years of re- tirement, pay constant attention to your allocation. From then on, you should start to switch from an asset-builder strategy to an asset- protector strategy. Because market values change, it’s also important not to count on the market value of your home when fac- toring assets for retirement. Finally, don’t forget about growth


in your portfolio during retirement, as you will be retired for a long time.


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