{"id":7344,"date":"2014-01-22T10:49:33","date_gmt":"2014-01-22T18:49:33","guid":{"rendered":"http:\/\/www.marketriders.com\/investing\/?p=7344"},"modified":"2016-12-21T07:28:13","modified_gmt":"2016-12-21T15:28:13","slug":"best-investments-retirement-planning","status":"publish","type":"post","link":"https:\/\/www.marketriders.com\/investing\/best-investments-retirement-planning\/","title":{"rendered":"Best Investments For Retirement Planning"},"content":{"rendered":"

People invest for many reasons. As a hobby, for their ego’s sake or to meet a medium-term goal, such as\u00a0paying for college<\/a>.<\/p>\n

All are reasonable choices, as far as that goes.\u00a0Investing\u00a0as a form of entertainment is no sin. Certainly CNBC would cease to exist, otherwise.<\/p>\n

But most of us have a real, long-term goal. However you choose to express it,\u00a0retirement, your golden years, the day you stop working \u2014 it’s all about living off your money rather than continuing to work solely to make more.<\/p>\n

\"best<\/a><\/p>\n

The distinction is important. You might choose to work in order to stay active. But the goal here is to make work a true choice, not a necessity.<\/p>\n

Retirement\u00a0planning<\/a>\u00a0as a concept has a lot of moving parts. Insurance, living arrangements, health care and travel budgeting.\u00a0Taxes\u00a0are a surprisingly big issue, as many new retirees soon learn.<\/p>\n

But what about investing? Here are some basic guidelines for\u00a0retirement\u00a0planning investments:<\/p>\n

1. Get off the roller coaster<\/strong><\/p>\n

Stock investing<\/a>\u00a0is a big part of your portfolio in the early working years. It won’t disappear from your investment palette (see No. 5 below), but it should shrink in importance.<\/p>\n

Consider the experience of would-be retirees who were long equities in 2007. Anyone planning to quit work that year likely put it off, maybe up to five years. A down market might change your life.<\/p>\n

2. Find passive income<\/strong><\/p>\n

You will have access, mostly likely, to a base\u00a0income from Social\u00a0Security<\/a>. Some folks will have a pension to fall back on for the difference.<\/p>\n

The rest of us will need to own investments that pay a steady stream of cash, such as dividend stocks, bonds and real estate funds.\u00a0That’s likely to be a big change in your way of thinking about investing.<\/p>\n

3. Avoid fad investing<\/strong><\/p>\n

Every five to seven years, the stock market takes a deep dive. That is the recent experience, in any case. Usually, that dive is related to a single investment type that a mass of investors decides is going to be their salvation.<\/p>\n

Dot-com stocks, housing,\u00a0lately gold<\/a>. Do not follow the pack, ever, and especially not with\u00a0retirement\u00a0savings.<\/p>\n

4. Be tax efficient<\/strong><\/p>\n

Often, retirees underestimate how much they will pay in taxes in\u00a0retirement. They assume real estate taxes will continue, but also you will pay taxes on Social\u00a0Security\u00a0income and on income from investments, even from your IRA and 401(k) holdings.<\/p>\n

It pays to think ahead. One way to lower your taxes in\u00a0retirement\u00a0is to put off taking your Social\u00a0Security\u00a0income until later (when it will also pay you more as well). Another is to take advantage of\u00a0Roth IRA conversions<\/a>\u00a0while you work.<\/p>\n

5. Think long-term, still<\/strong><\/p>\n

You might be retired a long time, perhaps 20 or even 30 years. To\u00a0keep ahead of inflation<\/a>, it pays to consider owning stocks in some measure, even late in the game.<\/p>\n

Retirement\u00a0planning and investing are not mutually exclusive activities. They need to work together. Using a\u00a0well-balanced portfolio<\/a>, it can be done.<\/p>\n","protected":false},"excerpt":{"rendered":"

People invest for many reasons. As a hobby, for their ego’s sake or to meet a medium-term goal, such as\u00a0paying for college. All are reasonable choices, as far as that … Read more →<\/span><\/a><\/p>\n","protected":false},"author":8,"featured_media":7346,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_wp_rev_ctl_limit":""},"categories":[8],"tags":[62,42,43],"yoast_head":"\nBest Investments For Retirement Planning | MarketRiders<\/title>\n<meta name=\"description\" content=\"Retirement planning as a concept has a lot of moving parts. 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