| Retirement investment or put simply, investing | | | | If you're now utilizing your savings to fund your |
| for your retirement, isn't easy because you need | | | | retirement, I would say you should take the |
| knowledge, facts and options to make your | | | | safest route investing in TBS and GBS which |
| investment decisions sound and secure (and of | | | | relatively won't diminish in value. |
| course I've to be real here; you got to manage | | | | However, you would have to deal with the |
| the risks in there too....). | | | | following disadvantages: |
| How do you go about strategizing for your | | | | - Interests from bonds are fully taxed as income |
| retirement investment? | | | | - The interests from bonds may be enough for |
| For you who aren't yet due for retirement but | | | | your current expenses but they might not be, 10, |
| want to start early (Hey! You're the rare jewels | | | | 15 years down the road, due to inflation. |
| out there!) | | | | I suggest you invest a portion of your money in |
| Of course you would want to accumulate the | | | | assets that keep pace with inflation. Investment in |
| highest possible value from investments and | | | | real estate (properties) is one sure way for you |
| savings, by the time you retire. | | | | to hedge against inflation. The other is to take |
| I recommend the followings: | | | | some extra risks by investing in stocks, to yield |
| | | | higher returns over time |
| 1. Start to save and invest as early as possible. | | | | OK, besides investing in TBS, GBS and stocks, |
| The difference in the amount of savings and | | | | what other alternatives you've to create |
| investment if you start at 35 versus when you | | | | retirement investment that can give you lasting |
| start at 45 is.....what can I say, tremendous....This is | | | | retirement wealth? |
| due to the powerful compounding effects on | | | | Well, starting an online/offline business selling |
| returns over time | | | | information product is one good way to secure |
| 2. Use a sound strategy to achieve substantial | | | | lasting income that's quite immuned to the |
| retirement savings. This involves taking some | | | | economy's ups and downs plus you've full control |
| calculated risks in order to augment the average | | | | of the business. |
| annual return over time. The net tidy sum could | | | | I think the logical way to go about this is to sell |
| mean a lot to you when you retire, supporting | | | | information you're knowledgeable and passionate |
| you with a comfortable and enjoyable lifestyle - | | | | about because it's a lot easier to do with |
| No down size of anything whatsoever! | | | | something you love and already know - you |
| 3. Invest in government treasury bills (TBs) and | | | | gonna enjoy and have plenty of fun doing it. And |
| short-term government bonds (GBs) as both | | | | the rate of success is higher. |
| yields almost concrete return on your money | | | | However, you might have reservations about |
| invested, with interests. However, historically | | | | starting a business, online or offline. |
| (over a period of a few decades) if compared | | | | I want to encourage you: |
| with investments in stock market, on average, | | | | - Don't let fear of failure paralyze you to take the |
| TBS and GBS yield lower returns. But this is | | | | right action |
| compensated for by the almost certain returns | | | | - Don't believe you don't have the money to start |
| and low risks and low volatility of returns | | | | a business |
| associated with them. So, you can sleep tight at | | | | - Don't let your "set" ways stop you from making |
| night without worrying your money! | | | | changes - the changes, no matter how small |
| 4. If you've 5 - 10 years before you retire, you | | | | they're, will accumulate to big changes and give |
| could think about investing in the stock market. | | | | you a different outcome. You'd be surprised how |
| Not all your money though, perhaps half in stocks | | | | easy you can make changes then |
| and half in bonds, to give you a bigger nest egg, | | | | - To have clear vision where you want to be |
| due to the higher returns from stocks | | | | when you retire |
| 5. You could delve into growing a diversified | | | | - To have tremendous focus and concentration |
| portfolio that consists of TBS & GBS and | | | | on what you're planning to do - investment, |
| local & foreign stocks. This mix could provide | | | | business.... |
| you with higher/better returns and lower risks | | | | I wanna see you retire a wealthy retiree, living a |
| over time | | | | dreamed retirement lifestyle..... |
| For you who're already retired and want to grow | | | | So, start your retirement investment wheel |
| a retirement investment to support your | | | | rolling...... |
| retirement | | | | |