Saving for Retirement in This Topsy-Turvy Market
No images? Click here By Brian Hershberg | May 29, 2022 You'll read lots of stories around now about buying the dip and other ways to stay invested and grounded during periods of market volatility. But typically they're one size fits all. So we hope you'll forgive us if we also suggest buying the dip in our latest retirement quarterly report, but then show other opportunities that come with volatility for both younger investors who are far from retirement and older investors near retirement and retirees. In Barron's reporter Andrew Welsch's latest piece, he explores the myriad ways both these cohorts can weather the market downturn and position for future prosperity. Here is a look at what he found about dip-buying for investors all along the age spectrum:
Please read on for more about navigating market downturns: How to Handle a Market Downturn in Your '529' Plan When You Need to Tap It SoonParents and others who've saved in the education-savings accounts and seen their balances drop sharply just as they plan to use the funds could consider using student loans or relying on other assets to allow the market, and balances, to recover. One warning: Don't touch retirement savings. Cash Buckets Are Earning Their Keep as Markets Fall. Just Don't Hold Too Much.Retired financial advisor Harold Evensky, a pioneer of the cash-bucket strategy to shield savers from market downturns, says a year's worth of cash is plenty for most investors. He believes advisors today are too conservative. Social Security Mailbag: Questions on Spousal Benefits and Federal Pension OffsetsBarron's Retirement readers had questions about how to maximize a spouse's Social Security benefit and whether a former federal employee would be entitled to spousal benefits. We found some answers. Move Over, 60/40 Portfolio. You're Out of Date Now.KKR study finds a mix of stocks, bonds, and alternative assets outshines a stock/bond allocation in times of resurgent inflation.
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