S2E7: Maximizing Income, Minimizing Risk: Relevant Retirement Planning Tips
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S2E7: Maximizing Income, Minimizing Risk: Relevant Retirement Planning Tips
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À propos de cet audio
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Welcome to Road Rules for Retirement with host Mark Fried and special guest Jen Reza.
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Understand the two critical components of investment returns: growth vs. yield, and why yield matters more for retirees.
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Discover the importance of focusing on income-generating investments like high-yield bonds, preferred stocks, and tax-exempt bonds.
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Learn why depending solely on past investment returns can be misleading when planning for reliable retirement income.
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Explore guaranteed income strategies including income annuities and how they complement Social Security and pensions.
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Find out how to rebalance your portfolio when the stock market is at an all-time high and avoid overexposure to risky assets.
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Identify common retirement planning mistakes such as being too conservative and how they can hurt your income potential.
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Get actionable advice on Social Security optimization — why timing your claim can mean hundreds of thousands in lifetime benefits.
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Break down the four types of annuities and how each could fit into a secure retirement income plan.
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Mark's final advice: why having a comprehensive retirement income plan — not just retirement accounts — is critical to lasting financial security.
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[00:00] Introduction to the Road Rules for Retirement Show
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[00:15] Why Income Planning Matters Beyond Bank Savings
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[00:33] Understanding Growth vs. Yield in Retirement Investments
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[02:24] Traditional Sources of Income: Then and Now
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[03:08] Investment Options for Higher Yield: Bonds, Stocks, Annuities
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[06:57] Danger of Being Overweighted in Stocks During Market Highs
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[07:13] How and When to Rebalance Your Retirement Portfolio
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[10:22] The Risk of Being Too Conservative with Retirement Savings
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[14:13] Social Security Optimization: Timing and Strategy Insights
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[18:54] Breaking Down Annuities: Immediate, Fixed, Variable, Indexed
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[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/