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JohnHanlin.com
Investing Advice
Retirement Investments
Retirement Investments
"How do I plan for retirement?"
"How much money do I need to retire?"
"What are the best retirement investments?"
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These are common questions being asked today by a growing number of people seeking my investing advice about retirement investments. And, with the devaluation of our securities markets and financial instability, more and more people have been forced to rethink their retirement investments plans altogether.
It's a fact today that a growing number of people simply cannot afford to retire. One-third
of Americans over 50 aren't confident that they will have enough money
to retire, and over two-thirds expect to have to keep working well into
old age. Despite making good incomes, many people live paycheck to
paycheck and see their IRA and 401K funds either not growing or shrinking significantly with the stock markets. Plus, they're concerned
about whether Social Security benefits are going to be around when they hope to retire. They are in dire need of investing advice with a new perspective.
"I don't know if you are one of these statistics, but I was. And I did something about it. My 7-Step Retirement Investments Planning Guide below offers investing advice that I have developed over the years and diligently follow on my own journey toward a secure and comfortable retirement. Hopefully this free investing advice will help provide some assistance in your future retirement investments planning endeavors."
7-Step Retirement Investments Planning Guide
1) TAKE CONTROL OF YOUR RETIREMENT INVESTMENTS
My first bit of investing advice is for you to make a promise to yourself to take control of your retirement investments and responsibility for your retirement planning. Be responsible for your own future and don't simply rely on others to do this for you. I was guilty of letting my 401K and IRA investment funds run on auto-pilot for most of my working life, trusting the investing advice of people whom I've never met to make decisions about my retirement investments and my future. But not anymore!
Two things finally made me realize that I had to take control of my retirement investments. In fact, they were the inspiration for this entire website:
First, I used the same retirement calculator that you will find in Step #2 below. And the investing advice it provided me was that I couldn't afford to retire! (At least, not with a lifestyle that I wanted to lead.) That alone was enough motivation to get me started questioning everything to do with my retirement investments.
So, after a good deal of research, I realized that there was a whole universe of very profitable "alternative investments" out there that I wasn't being made aware of by my 401K and IRA investment fund managers. (e.g. Real estate investments, precious metals, commodities, oil & gas investments, hedge funds, etc.)
Second, I realized why I wasn't being offered these alternative investments. It was because my fund managers wouldn't earn commissions if I decided to invest in something outside of their in-house stable of investment products -- even though some alternative investments might have been perfectly suited to my personal needs!"
Now, I'm going to ask you two questions you should seriously consider:
Are your fund managers or financial advisers looking after your best interests or their own?
Is the investing advice you are getting, providing the best retirement investments choices for you?
* In Step 7 below we will discuss how you can take control of your IRA retirement investments and choices by easily converting your Traditional IRA to a "Self-Directed IRA".
2) WHAT IS YOUR INVESTMENT PERSONALITY?
My next piece of investing advice is for you is to get a good handle on your investment personality. Do you really know yourself as well as you think?
* What is your tolerance for risk?
* How involved do you want to be in your investment portfolio decisions?
* Are you willing to consider investment alternatives that you aren't currently familiar with?
To help you with this, here is a simple tool to help you with this that I call the: "Investment Personality Evaluator". This will ask you 10 quick questions related to retirement investments and then evaluate where you fall on a scale ranging from Conservative to Aggressive.
My first bit of investing advice is for you to make a promise to yourself to take control of your retirement investments and responsibility for your retirement planning. Be responsible for your own future and don't simply rely on others to do this for you. I was guilty of letting my 401K and IRA investment funds run on auto-pilot for most of my working life, trusting the investing advice of people whom I've never met to make decisions about my retirement investments and my future. But not anymore!
Two things finally made me realize that I had to take control of my retirement investments. In fact, they were the inspiration for this entire website:
First, I used the same retirement calculator that you will find in Step #2 below. And the investing advice it provided me was that I couldn't afford to retire! (At least, not with a lifestyle that I wanted to lead.) That alone was enough motivation to get me started questioning everything to do with my retirement investments.
So, after a good deal of research, I realized that there was a whole universe of very profitable "alternative investments" out there that I wasn't being made aware of by my 401K and IRA investment fund managers. (e.g. Real estate investments, precious metals, commodities, oil & gas investments, hedge funds, etc.)
Second, I realized why I wasn't being offered these alternative investments. It was because my fund managers wouldn't earn commissions if I decided to invest in something outside of their in-house stable of investment products -- even though some alternative investments might have been perfectly suited to my personal needs!"
Now, I'm going to ask you two questions you should seriously consider:
Are your fund managers or financial advisers looking after your best interests or their own?
Is the investing advice you are getting, providing the best retirement investments choices for you?
* In Step 7 below we will discuss how you can take control of your IRA retirement investments and choices by easily converting your Traditional IRA to a "Self-Directed IRA".
2) WHAT IS YOUR INVESTMENT PERSONALITY?
My next piece of investing advice is for you is to get a good handle on your investment personality. Do you really know yourself as well as you think?
* What is your tolerance for risk?
* How involved do you want to be in your investment portfolio decisions?
* Are you willing to consider investment alternatives that you aren't currently familiar with?
To help you with this, here is a simple tool to help you with this that I call the: "Investment Personality Evaluator". This will ask you 10 quick questions related to retirement investments and then evaluate where you fall on a scale ranging from Conservative to Aggressive.
3) REEVALUATE YOUR RETIREMENT OBJECTIVES
Another component of my investing advice is to reevaluate your retirement objectives and goals. Start with the big picture:
* When do you want to retire?
* What lifestyle do you want to lead for the rest of your life?
* Where do you want to spend your retirement life?
* How big of a nest egg do you need for financial security: emergencies, inflation, family assistance, etc?
These will lead you to the ultimate question: "How much money do I need to retire?"
NOTE: It is very important to be clear on your retirement objectives. Write them down. Keep them close and update them as life happens.
Your sub-conscious brain will work behind the scenes to help you achieve your goals. But you have to point it in the right direction.
Now, ask yourself if you can afford the lifestyle that your newly defined goals will require. How confident are you that your current retirement investments portfolio will support the goals you have defined?
To assist you with this, here is a link to the AARP's Retirement Investments Calculator.
This retirement investments calculator is going to help you with two things:
a. It will help answer the question: "How much money do I need to retire?"
b. Then, by comparing how much money you'll need to retire, with what your current retirement investments portfolio is projected to deliver, the calculator will indicate whether or not there is a "financial gap" between those two amounts.
If there is a financial gap, then you have two options:
1. You can revise your retirement goals to be more conservative to close the financial gap.
2. You can revise your retirement investments portfolio to close the financial gap.
Assuming that you will choose Option #2 above, you need to ask yourself:
"What are the best alternative investments that I can include in my retirement investments portfolio to close the financial gap and accomplish my retirement objectives?"
Another component of my investing advice is to reevaluate your retirement objectives and goals. Start with the big picture:
* When do you want to retire?
* What lifestyle do you want to lead for the rest of your life?
* Where do you want to spend your retirement life?
* How big of a nest egg do you need for financial security: emergencies, inflation, family assistance, etc?
These will lead you to the ultimate question: "How much money do I need to retire?"
NOTE: It is very important to be clear on your retirement objectives. Write them down. Keep them close and update them as life happens.
Your sub-conscious brain will work behind the scenes to help you achieve your goals. But you have to point it in the right direction.
Now, ask yourself if you can afford the lifestyle that your newly defined goals will require. How confident are you that your current retirement investments portfolio will support the goals you have defined?
To assist you with this, here is a link to the AARP's Retirement Investments Calculator.
This retirement investments calculator is going to help you with two things:
a. It will help answer the question: "How much money do I need to retire?"
b. Then, by comparing how much money you'll need to retire, with what your current retirement investments portfolio is projected to deliver, the calculator will indicate whether or not there is a "financial gap" between those two amounts.
If there is a financial gap, then you have two options:
1. You can revise your retirement goals to be more conservative to close the financial gap.
2. You can revise your retirement investments portfolio to close the financial gap.
Assuming that you will choose Option #2 above, you need to ask yourself:
"What are the best alternative investments that I can include in my retirement investments portfolio to close the financial gap and accomplish my retirement objectives?"
4) FIND ALTERNATIVE RETIREMENT INVESTMENTS TO CLOSE THE "FINANCIAL GAP"
Assuming that there is a financial gap in your retirement investments portfolio, my next piece of investing advice is to find alternative investments that will help you close that gap.
There is a old saying: "If you keep on doin' what you've always done, you're gonna keep on gettin' what you've always got!" In other words, the investments in your current retirement investments portfolio are not getting the job done. You need to find alternative investments that will.
So how do you find the best alternative investments for your portfolio based upon:
* Your investment personality?
* The financial gap between your goals and what your current portfolio can provide?
To answer this, we need to first review history:
Real estate, in its various forms, has created more wealth than any other type of investment. However, many folks today cringe when they think of investing in real estate because of the recent sub-prime debacle and rampant foreclosures. Meanwhile, many of these same people continue to hold on to their stocks that have declined 40-50% in value in the current economy!
Unlike stocks, which can become worthless, real estate always will retain a certain amount of intrinsic value.
Now ask yourself this question:
Is this a real estate buyer's market or a seller's market?
That's right! It is definitely a BUYER'S MARKET for real estate.
Property values have declined significantly in virtually all real estate forms (land development, residential properties, commercial real estate, etc.) And as a result, sellers are motivated to entertain virtually all offers in this economy.
This presents an extraordinary opportunity for investors with:
* Money to invest
* Knowledge of how and where to invest
Savvy investors understand that economies are "cyclical". Eventually, recoveries follow recessions. Real estate values and stocks will rebound.
The $10,000 Question is:
Where should you invest your hard-earned dollars to help you close the financial gap in your retirement investments portfolio?
My investing advice is REAL ESTATE! (But not all real estate investments are equal.)
Assuming that there is a financial gap in your retirement investments portfolio, my next piece of investing advice is to find alternative investments that will help you close that gap.
There is a old saying: "If you keep on doin' what you've always done, you're gonna keep on gettin' what you've always got!" In other words, the investments in your current retirement investments portfolio are not getting the job done. You need to find alternative investments that will.
So how do you find the best alternative investments for your portfolio based upon:
* Your investment personality?
* The financial gap between your goals and what your current portfolio can provide?
To answer this, we need to first review history:
Real estate, in its various forms, has created more wealth than any other type of investment. However, many folks today cringe when they think of investing in real estate because of the recent sub-prime debacle and rampant foreclosures. Meanwhile, many of these same people continue to hold on to their stocks that have declined 40-50% in value in the current economy!
Unlike stocks, which can become worthless, real estate always will retain a certain amount of intrinsic value.
Now ask yourself this question:
Is this a real estate buyer's market or a seller's market?
That's right! It is definitely a BUYER'S MARKET for real estate.
Property values have declined significantly in virtually all real estate forms (land development, residential properties, commercial real estate, etc.) And as a result, sellers are motivated to entertain virtually all offers in this economy.
This presents an extraordinary opportunity for investors with:
* Money to invest
* Knowledge of how and where to invest
Savvy investors understand that economies are "cyclical". Eventually, recoveries follow recessions. Real estate values and stocks will rebound.
The $10,000 Question is:
Where should you invest your hard-earned dollars to help you close the financial gap in your retirement investments portfolio?
My investing advice is REAL ESTATE! (But not all real estate investments are equal.)
5) INVEST IN FORECLOSURES & REO PROPERTIES IN THE SHORT-TERM
As noted above, I believe the best retirement investments today and in the future will continue to be real estate products.
For the next 2-3 years, I absolutely believe that foreclosures and REO properties are the absolute best investments available to investors today. And I mean across all investment types including stocks, bonds, precious metals, etc. You name it.
Many people reading this will say: "I'm no real estate expert and never will be, so foreclosure property investment isn't for me." The great news is that you don't have to be a real estate expert to take advantage of this lifetime opportunity! Here's why:
As foreclosures and REOs have become an enormous industry today, exciting new companies have emerged to take advantage of this extraordinary wealth-building opportunity. These new firms are called: "REO Companies".
REO companies buy REO properties in large quantities from the banks and other lenders. They rehab these homes to "move-in" condition then resell them quickly and at a profit for their investors. And the return on investment can be staggering!
The best part is that the REO companies do all of the work! It's truly passive income.
Recall from Step 3 above we said you have two options if there is a financial gap in your retirement investment portfolio vs. how much money you need to retire. And, we assumed that you would choose Option #2 (to revise your portfolio to close the gap).
My investing advice is that you invest in foreclosures and REO properties in some way and right away. Either do this on your own or by investing with an REO company. Personally, I choose to invest as a silent partner with an REO company and leverage their expertise and earn a high yield passive income.
Here is a link explaining how this works: "Why You Should Invest in REO Companies"
The key is finding the right REO company to invest with. I believe that I work with the very best REO company in the business and will be happy to send you their brochure if you wish to pursue it. Simply complete my contact form & request a brochure.
6) INVEST IN LAND DEVELOPMENT JOINT VENTURES FOR THE MID-LONG TERM
My investing advice is that the best mid-long term retirement investments option, with the best combination of return on investment and investment security is in "land development joint ventures."
With joint ventures, you can invest with professional land developers as a silent partner, earn a lucrative passive income and not know a thing about real estate!
Here are two links to help you learn more about these important retirement investments:
Joint Venture Investments
4 Reasons To Invest In Land Development
Once again, you may feel, at first blush, that this is outside of your comfort zone or expertise. And my response is - it needs to be! If your current portfolio isn't going to achieve your retirement objectives, you need to invest in alternative investments that will.
The key is finding the right land development company to invest with. I believe that I work with two of the very best land development companies in the business and will be happy to provide you with information about investing with them. Simply complete my contact form to request more information about these retirement investments.
NOTES:
I've explained that real estate has created more wealth than any other investment type. Furthermore, the two forms of real estate that I have recommended are the most profitable and overall best investments within the real estate industry -- in others words, the best of the best!
* REO companies (foreclosures/REOs)
* Land development joint ventures
7) CONVERT YOUR TRADITIONAL IRA INTO A "SELF-DIRECTED IRA"
The final element of my investing advice is to convert your "Traditional IRA" into a self-directed IRA. Converting to a self-directed IRA account is very simple and allows you to invest your IRA funds in a whole new universe of alternative retirement investments that were not previously available in your Traditional IRA -- including those that I have recommended in Steps 5 & 6 above.
For more information about self-directed IRA accounts and a FREE e-book with 50 FAQ's, click on the image below:
Conclusion
Have questions? Simply complete my contact form to request more information about these retirement investments. And I'll be happy to share my recommendations of the best companies to invest with.
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Investing Advice
Retirement Investments
Retirement Investments
