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South Burlington, VT

I don't know if my investments are set up properly

Your worry: Will my investments last long enough?

The issue: You're retired and for the first time in your life, you have to manage your own investments.

investments_set_up_rightYour story: You've worked for over thirty years and have had a company retirement plan for most of that time.  You've saved, and have accumulated a reasonable amount of money.  In fact, you think the money you've saved has turned into quite a nice nest egg.

While you were working, you didn't have to worry about how to invest your money.  Almost all of your savings were done through your company's retirement plan.  You had choices you could make, but it was only a few choices.  Now you've been told that you need to roll your money into your own IRA. There are thousands of choices and you want to make sure that you make choices that work for you.

You're excited about being able to afford retirement and look forward to being comfortable. You're also a little scared about what might happen to your retirement if you make investment mistakes. You would like some help but don't know where to turn.

Issues you might have...

Problems:

  • I don't understand the investment language that everyone keeps using with me.
  • I don't know how much money to put in stocks, bonds and cash, not to mention other investment options.
  • I don't know how much money I can afford to take out of my investments each year.
  • I'm a little worried about making a mistake managing my money.
  • I don't know how to evaluate an investment advisor.

Solutions:

  • Make sure that anyone you speak with speaks in English and not investment jargon.
  • Learn what asset allocation means and why spreading your money between asset classes is important.
  • Do a financial plan that shows how much money you need to take from each of your investments every year.
  • Think about putting your money in different piles so you can protect yourself if the market goes down.
  • Ask yourself whether you trust this person.  If the answer is yes, ask yourself why you trust them.
Basics of Investment Management