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>> WILL COME BACK TO ROB
BLACK AND YOUR MONEY. IT IS
TIME FOR US TO ASK THE
EXPERT. THAT EXPERT WOULD BE
C F P CHAD BURTON. YOU DEAL
WITH FINANCIAL PLANNING
ISSUES. ONE DEEP ISSUES YOU
DEAL WITH IS THE CHALLENGES
OF RETIREMENT. LET'S TALK
ABOUT FIVE CHALLENGES PEOPLE
FACE. I JUST DID A SEGMENT
WHERE WE TALK ABOUT LOW
INTEREST RATES MOVING A
LITTLE HIGHER, CAN YOU
EXPAND ON THAT?
>> IT IS THEN KIND OF A
BREAK NECK TYPE OF
RELATIONSHIP ESPECIALLY WITH
2007. TRADITIONALLY,
RETIREES HAVE SOME MORE
BETWEEN 30 AND 70 PERCENT OF
THEIR PORTFOLIO AND SEE THE
TYPE INVESTMENTS.
INVESTMENTS WERE OVER 5% IN
2007 BEFORE THEY CRASHED.
NOW THEY'RE ABOUT 3 1/2%.
AND MAYBE IT WAS DOWN AT 1.1
0.6%. IT HAS BEEN ALL OVER
THE PLACE WHICH HAS BEEN
BOND INVESTING SO CONFUSING.
AT THE SAME TIME, THE AND
COME BACK AND TYREES READ
INVEST IN PRODUCTS LIKE CDS
AND BONDS, THE END, HAS BEEN
CUT. AND MAYBE IT WAS ABOUT
70% IS NOW 60% LOWER THAN
WHERE WAS IN 2007. IT IS FOR
PEOPLE TO GET A LITTLE MORE
AGGRESSIVE.
>> IT WAS TRENDING LOWER FOR
YEARS AND YEARS AND YEARS
AND THEN SPIKED UP IN THE
LAST MONTH. THIS BIKE IS A
BIG TRANSITION. THE LATEST
TREND RIGHT NOW IS ON
HUNTING FOR AN COMES USING
HIGH YIELDS AND INCOME FOR
RETIREES IS A BIG ISSUE.
>> A LOT OF PEOPLE BECAUSE
MANY STOCKS NOW HAVE A
HIGHER DIVIDEND YIELD THAN
THE BONDS, WHAT HAPPENS IS A
LOT OF RETIREMENT INVESTORS
HAVE PLEDGED THEMSELVES INTO
AN AREA OF MORE RISK THAN
THEY WERE REALLY THINKING
ABOUT. NOW THAT WE'VE GONE
THROUGH SO MUCH UPSIDE, THE
MARKET HAS SOME PRETTY MUCH
GOING UP SINCE 2009. PEOPLE
HAVE BECOME COMPLACENT WITH
RISK. THEIR PORTFOLIOS ARE
MUCH MORE AGGRESSIVE THAN
WHAT THEY WERE USED TO IN
THE PAST. AND AS RATES RISE
RAPIDLY LIKE THEY DID LAST
MONTH AND WHAT CAN HAPPEN IS
THEY GET SHOCKED. THEY
REALIZE, OH MY GOD AS I AM
AND TESTING AND TO MANY
STOCKS. THEY ARE PANICKING
AND SELLING AT THE WRONG
TIME. IT IS OK TO A MESS AND
DIVIDEND STOCKS AND HAVE IT
FOR RETIRING AS LONG AS YOU
DON'T PANIC OUT WHEN TIMES
GET A LITTLE UNCERTAIN. THE
TOP FIVE MAJOR RETAIL
HUNTING FOR THE REPLACEMENT
OF AN INCOME, UP THREE BEING
WHEN YOU SELL, EITHER STOCK
OR BOND, WHEN YOU SELL?
RULES KEEP CHANGING.
>> WHEN YOU'RE YOUNGER, YOU
ARE BUILDING WEALTH AND
TIMING THE MARKET IS NOT
THAT IMPORTANT. WHEN YOU
RETIRE, TIME AND IS
EVERYTHING. YOU DO NOT WANT
TO SELL ALL OF YOUR STOCKS
AND BONDS. A BITE CHART IN
TERMS OF YOUR ASSETS, HOW
MUCH YOU SHOULD HAVE AND
INBOUNDS VERSUS STOCKS. 2
THINGS DETERMINE WHEN YOU
SHOULD SELL, ONE A PIE
CHART. IF YOU GO IN AND SAY
YOU ARE SUPPOSED HAVE, THIS
IS AN EXAMPLE, 25% IN LARGE
CAP AND THEN ALL THE SUDDEN
IT MOVES TO 30 PERCENT OF
YOUR FAULT PORTFOLIO BECAUSE
YOU DONE SO WELL, THAT IS
WHEN YOU NEED TO PULL THE
TRIGGER. YOU NEED TO
REALLOCATE. THE SECOND PIECE
IS YOUR CASH AND GOLD. WHEN
YOU'RE GOING INTO
RETIREMENT, YOU NEED AT
LEAST THREE YEARS' WORTH OF
PORTFOLIO GOALS IN CASH.
WOULD HE GET AROUND THE
CORNER AND SAY ASPEN SUMMIT
CASH IN MY PORTFOLIO IS
DOING WELL, TRIM SOME OF THE
TOP TO REPLENISH THAT CASH.
YOU ARE ALWAYS PREPARING FOR
THE DOWNTURN IN THE MARKET.
U.S. DRYING 100 PERCENT OF
THE TIMES THE YOU HAVE TO
HAVE A CRASH CUSHION FOR THE
THE YEARS.
>> WHY DO WE WANT THREE
YEARS OF CASH?
>> THE MARKET HAS CORRECTED
THREE YEARS AND ONLY TWICE.
I'VE ONLY SEEN ONE FOR YOUR
CORRECTION ONE OTHER TIME
WHEN THE MARKET WAS - THREE
YEARS IN A ROW AFTER THE
GREAT DEPRESSION. THAT CAN
HAPPEN. IF YOU HAVE A THREE
YEAR CASH CUSHION, YET TO
INVEST IN PORTFOLIO
CORRECTLY TO RECEIVE THE
CASH. THE THREE YEARS WORTH
OF CASH CUSHION AND THE
DIVIDEND YIELD AND INTO
STEEL AND YOUR PORTFOLIO
WILL GET YOU THROUGH 8527
YEAR PERIOD. CASH IS KING
DURING THOSE TIMES. IF YOU
WANT TO CONTACT THAT YOU CAN
DO THAT AT 827622423. YOU
CAN ALSO GO TO A NEW FOCUS
FINANCIAL .COM. WHEN WE COME
BACK ON ROB BLACK AND YOUR