By Ken Faulkenberry
Financial experts estimate you will need 70 – 90% of your current income to maintain your current standard of living when you stop working. The three most common sources of retirement income are social security, employer-sponsored retirement plans, and personal savings and investments. Besides the fact that social security benefits will almost certainly [...]
Entries Tagged as 'Investment Planning'
How Early Should Retirement Planning Start?
March 5th, 2010 · No Comments · General Advice, Investment Planning
Tags: compounding·plan for retirement·retirement income·retirement planning
Seven ETF Advantages to Boost Your Portfolio Returns
March 3rd, 2010 · No Comments · Investment Planning, Portfolio Management
By Ken Faulkenberry
Exchange Traded Funds (ETFs) are an investment vehicle; a hybrid of stocks, mutual funds, and closed-end mutual funds. ETFs are a basket or portfolio of stocks much like mutual funds or closed-end funds. Much like a stock or closed-end fund, on a given day each EFT trades on an exchange with a number [...]
Tags: AAAMP·alternative investments·Arbor Asset Allocation Model Portfolio·Arbor Investment Planner·etf·etf advantages·etfs·exchange traded funds·instant diversification·tax efficient
4% Rule
February 17th, 2010 · 1 Comment · AIP Money Management Tips, Investment Planning
AIP Money Management Tip
As a general rule 4% is the percentage of your retirement portfolio you can safely withdraw the year after your retirement. Adjust for inflation every year after that. In other words, if you need $40,000 per year from your retirement nest egg, you will need approximately $1 million dollars in retirement savings.
Mr. Brown Goes to Washington – The Implications Beyond the Obvious
January 24th, 2010 · 3 Comments · Economics, Investment Planning
By Ken Faulkenberry
The election of Scott Brown to the Massachusetts U.S. Senate Seat has been called one of the biggest upsets in elections history. There are obvious important implications of his election. The fact Mr. Brown will be the 41st vote in the Senate takes away the democrats’ ability to dictate policy. His election probably [...]
Tags: 41st vote·AAAMP·Arbor Asset Allocation Model Portfolio·Arbor Investment Planner·Dave Ramsey·deficit spending·deleveraging balance sheets·election upset·expansionary monetary policies·federal reserve·government bubble·healthcare bill·ken faulkenberry·Massachusetts U.S. Senate Seat·Mr. Brown·Scott Brown·Senator Brown·sound policies·stimulus·unfunded liabilities·withdrawing government stimulus
Five Reasons to be Cautious Now
January 22nd, 2010 · 2 Comments · Economics, Investment Planning, Risk Management
1. The velocity of money circulating in the economy is very low. The growth we are experiencing right now is from massive government spending and expansion of the money supply. The Federal Reserve has kept short-term rates near zero and provided extremely loose monetary conditions. They have little left to help the economy if it [...]
Tags: Arbor Investment Planner·asset allocated portfolio·blue chip stocks·commercial real estate·credit expansion·diversified portfolio·dividend stocks·economy·expert stock picking·high unemployment·homeowner's equity·insider selling·loose monetary conditions·money supply·portfolio asset allocation·U.S. consumer·unemployment rate·velocity of money
Why IRAs Make Sense (and Dollars)
January 15th, 2010 · No Comments · Individual Retirement Accounts (IRAs), Investment Planning
Individual Retirement Accounts (IRAs) are a great investment vehicle because of the tax advantages. Compounding earnings tax-deferred in a Traditional IRA, or tax-free in a Roth IRA, is a great way to build long term wealth.
Traditional IRAs have the advantage of getting an immediate tax deduction for contributions. This can be a very important advantage [...]
Tags: Arbor Investment Planner·ArborInvestmentPlanner.com·build wealth·Individual Retirement Accounts·IRA contributions·IRAs·required minimum contributions·retirement planning·RMDs·Roth IRA·tax deduction·tax-deferred·tax-free growth·traditional IRA
Why Investors Should Make IRA Contributions Early
January 14th, 2010 · No Comments · Individual Retirement Accounts (IRAs), Investment Planning
Twin brothers, Peter and Paul, start contributing to their IRA at age 25; each put $5,000 per year in their IRA; each earns 10% per year. The only difference is Peter makes his contribution at the beginning of each year, but Paul procrastinates and doesn’t make his contribution until the end of each year. How [...]
Tags: arbor investment·compound interest·compounding·IRA·IRA contributions·ken faulkenberry·power of compounding
