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Listen "S2E7: Maximizing Income, Minimizing Risk: Relevant Retirement Planning Tips"
Episode Synopsis
Show Notes: Welcome to Road Rules for Retirement with host Mark Fried and special guest Jen Reza. Understand the two critical components of investment returns: growth vs. yield, and why yield matters more for retirees. Discover the importance of focusing on income-generating investments like high-yield bonds, preferred stocks, and tax-exempt bonds. Learn why depending solely on past investment returns can be misleading when planning for reliable retirement income. Explore guaranteed income strategies including income annuities and how they complement Social Security and pensions. Find out how to rebalance your portfolio when the stock market is at an all-time high and avoid overexposure to risky assets. Identify common retirement planning mistakes such as being too conservative and how they can hurt your income potential. Get actionable advice on Social Security optimization — why timing your claim can mean hundreds of thousands in lifetime benefits. Break down the four types of annuities and how each could fit into a secure retirement income plan. Mark’s final advice: why having a comprehensive retirement income plan — not just retirement accounts — is critical to lasting financial security. Podcast Chapters [00:00] Introduction to the Road Rules for Retirement Show [00:15] Why Income Planning Matters Beyond Bank Savings [00:33] Understanding Growth vs. Yield in Retirement Investments [02:24] Traditional Sources of Income: Then and Now [03:08] Investment Options for Higher Yield: Bonds, Stocks, Annuities [06:57] Danger of Being Overweighted in Stocks During Market Highs [07:13] How and When to Rebalance Your Retirement Portfolio [10:22] The Risk of Being Too Conservative with Retirement Savings [14:13] Social Security Optimization: Timing and Strategy Insights [18:54] Breaking Down Annuities: Immediate, Fixed, Variable, Indexed [23:40] Final Thoughts: Building a Reliable, Long-Lasting Income Plan Special Offer: Ready to take control of your retirement? Enroll in Mark Fried’s Retirement Masterclass to build your own customized financial roadmap. Visit WhenCanIRetire.us and use coupon code RRFR2024 for a special discount. Connect with Mark Fried: https://plansmartandretirewell.com/ https://www.linkedin.com/in/mark-fried-a0b1156/
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