Patience, Not Panic
large enough lump sum to live off the interest alone, Roth says. Now, retired investors must dip into
the principal if the coupon doesn’t cover the same lifestyle to which they’ve become accustomed. Retirees using blue-chip stock dividends as strategy for income in retirement face similar challenges. If this describes your situation,
Roth suggests considering guaranteed lifetime income streams, such as deferred annuities. “Pre-retiree couples should explore
options like these now to build a solution for monthly income needs later in life,” he says. In the end, it’s about income
flow — what stays in the account and what goes out, just as when you were working. “Retired investors with the best
chance of success to not outlive their assets have monthly income that exceeds their monthly expenses,” Roth says.
I
nterest rates affect more than just bond investors, says Kevin Guarino, a wealth manager and partner at Clover Leaf Financial in Dade City, Florida. Rate cuts come with their own set of risks and opportunities. Lower rates can reduce borrowing costs, potentially propping up earnings and stock prices of companies in the market, he says. The reason for these cuts — a slowing economy, inflation, and global uncertainty —
are also sources of stock market volatility. “Markets and investors have been awaiting the pending interest rate cut for so long that they’ve forgotten it can be a double-edged sword for equities,” Guarino says. The bottom line is that smart investors stay aware of this potential volatility, and not let it sway them into knee-jerk decisions when it comes to their long-term savings and investment planning.
Take Action Now
Consider locking in current rates through certificates of deposit,” says Chad Gammon, a
certified financial planner in Cedar Rapids, Iowa. Lower rates mean a chance to cut borrowing costs.
“Consumers might explore refinancing options now to lock in better rates, reducing the cost of existing debt,” Gammon points out. As for your savings account, it might be time to buy bonds. It’s counterintuitive, but as rates fall, bond prices typically rise. That makes government or corporate bonds a safer choice for the conservative portion of your portfolio, he explains. Nevertheless, keeping large sums in traditional savings accounts may become less
rewarding as rates fall. Consider higher-yielding options like dividend-paying stocks or real estate investment trusts, Gammon advises, which can offer better returns than cash. Whatever happens, keep some cash in hand.
Healthy Aging Made Easier
Four medical doctors develop antioxidant-loaded multivitamin formula for healthy aging
H
arvard scientists reviewed decades of vitamin research, and reported that most adults fail to get enough vita- mins by diet alone. This is particularly true for those over
50, who have more trouble absorbing nutrients. Diets of older adults are also commonly defi cient in key vitamins, especially antioxidants.
An Inexpensive Nutrition Insurance Policy
Harvard researchers recommended: “Ev- ery adult should take a multivitamin daily as a safe and inexpensive way to optimize health.” The Harvard School of Public Health website counsels: “A daily multi-
“ Medix Select worked with top physicians
to formulate ALPHA32®
vitamin is an inexpensive nutrition insur- ance policy. Try to take one every day.” Unfortunately, 3 out of 5 adults do
NOT take multivitamins. That’s why four respected medical phy- sicians on the Medix Select Medical Ad- visory Board joined forces to develop the comprehensive multivitamin ALPHA32.®
An Antioxidant-Based Multivitamin ALPHA32 off ers broad-based support for many body systems — all in just two tab- lets a day. It provides 32 key nutrients, in- cluding antioxidant-containing vitamins A, C, E, D, and folate. Other antioxidants in ALPHA32 in- clude selenium, lutein, and lycopene.
We’re offering a risk-free trial supply at NO COST. That’s a $39.95 value!
Support Health & Fend Off Accelerated Aging
As a safe and inexpensive “insurance policy,” the advanced multivitamin for- mula ALPHA32 helps defend against nu- tritional gaps.
ALPHA32 Provides Many Benefi ts
• Comprehensive nutritional support • Supports cardiovascular & circulatory health
• Supports brain health & function • Supports immune & bone health • Supports thyroid & eye health • Provides energy support & production
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*Trial offer requires enrollment in SmartShip program. See website for details. These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
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