ACTION POINT
MAKE SURE YOUR STOCK PORTFOLIO IS DIVERSIFIED AMONG DIFFERENT ASSET CLASSES
MAKE SURE YOUR STOCK PORTFOLIO IS DIVERSIFIED AMONG DIFFERENT ASSET CLASSES
- Large-cap stocks dominate U.S. stock index funds
- Mid-cap & small-cap stocks are under-owned
- Few of us own mid or small-cap foreign companies, or emerging market stocks
MAKE SURE YOU ARE WELL INFORMED ABOUT BOTH SOCIAL SECURITY AND MEDICARE BENEFITS
MAKE SURE YOU ARE WELL INFORMED ABOUT BOTH SOCIAL SECURITY AND MEDICARE BENEFITS
- Get educated ahead of time
- If you are already collecting, review your and your spouse’s benefits
- Notify Medicare and Social Security if there is a change of circumstances to get benefits updated
CONSIDER ADDING SOME ETFs TO YOUR PORTFOLIO
CONSIDER ADDING SOME ETFs TO YOUR PORTFOLIO
- Low cost, tax efficient, transparent
- Represent every asset class:Stocks, bonds, commodities alternatives.
“From micro to mega caps, from Argentina to Vietnam, from Treasuries to junk bonds and from aluminum to wheat…”
– Matt Hougan
CONSIDER SOME HIGH ACTIVE SHARE FUNDS WITH LOW TURNOVER
CONSIDER SOME HIGH ACTIVE SHARE FUNDS WITH LOW TURNOVER
- Most investors moving into passive index funds
- Contrarian move would be to own a few actively managed funds
- Add low turnover as a criteria
DEVELOP AN ALTERNATIVE RETIREMENT INCOME SOURCE
DEVELOP AN ALTERNATIVE RETIREMENT INCOME SOURCE
- Can tap during market declines
- Avoid drawing down investment portfolio
ADVANCE PLANNING
- Set up home equity line of credit
- Establish reverse mortgage line of credit
- Set up when conditions are favorable
- Can use when they are not
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