What Are The Best Retirement Investments?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Fixed-Indexed Annuities for Retirement

Why Choose Fixed-Indexed Annuities?

  • Safety and Stability: Fixed-indexed annuities offer a balance between growth and security. They are less volatile compared to direct investments in the stock market.
  • Potential for Growth: Linked to a stock index, they provide a chance to earn more than traditional fixed annuities if the market performs well.
  • Downside Protection: They typically guarantee the principal amount, ensuring that you don’t lose your initial investment even if the market declines.

Ideal for Those Nearing or After Retirement

  • Predictable Income: They can provide a steady, predictable income stream during retirement, crucial for those who no longer have a regular paycheck.
  • Inflation Consideration: Some offer features to address inflation, which can erode the value of fixed incomes over time.

Use The Annuity Expert retirement calculator to plan for your retirement needs

Where To Put Retirement Money After Retirement

Alternative Investments After Retirement

  • Dividend Stocks: Good for regular income and potential for growth.
  • Real Estate Income Funds: Can provide steady income and diversification.
  • Bond Ladders: Help manage interest rate risks and provide regular income.
Put Retirement Money After Retirement

Comparison of Retirement Investment Options

Investment TypeSafetyGrowth PotentialIncome StabilityInflation Protection
Fixed-Indexed AnnuitiesHighModerateHighModerate
Dividend StocksMediumHighModerateLow
Real Estate FundsMediumModerateHighModerate
Bond LaddersHighLowHighLow
Where Should I Put Retirement Money After Retirement

Conclusion

Choosing the right retirement investment depends on your risk tolerance, income needs, and inflation concerns. Fixed-indexed annuities are a top choice for their safety, stable income, and potential growth, making them ideal for those nearing or after retirement. Assess your options carefully to ensure a secure and comfortable retirement.

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Investing For Retirement Answers Frequently Asked Questions

What is retirement investment?

Retirement investment refers to investing money to provide income or financial stability during retirement. This can involve putting money into various types of accounts or retirement funds, such as 401ks, IRAs, stocks, bonds, mutual funds, and other assets, which can help individuals build a portfolio that will provide them with a reliable source of income after they stop working.

Where do most retirees invest their money?

Standard options include stocks, bonds, mutual funds, cash investments, and real estate.

What is the safest investment for retired people?

The standard options may include savings accounts, CDs, and bond funds.

What is the 3% rule retirement?

A rule of thumb suggests that retirees withdraw 3% of their investment portfolio yearly to avoid running out of money.

What are the best retirement investments that include mutual funds?

There is no one-size-fits-all answer to this question. The best retirement investments that include mutual funds will depend on an individual’s unique financial goals, risk tolerance, and investment horizon.

How do tax deductions affect retirement savings and investment strategies?

Tax deductions for retirement savings can lower an individual’s taxable income and reduce current tax liabilities, potentially allowing for more excellent retirement savings contributions and different investment strategies.

How can bond funds be used for retirement investments?

Bond funds can be used for retirement investments by providing regular income and helping to diversify a retirement investment portfolio.

How and when can an individual withdraw money from their retirement investments?

An individual can typically begin withdrawing from retirement investments penalty-free after age 59½. Withdrawal methods and taxes vary by account type and individual circumstances.

What are the benefits of diversifying a retirement investment portfolio?

Diversifying a retirement investment portfolio can help manage risk and increase potential returns by spreading investments across different asset classes, sectors, and geographic regions.

What are exchange-traded funds (ETFs), and how can they be used for retirement investments?

Exchange-traded funds (ETFs) are a type of investment fund that can be bought and sold like individual stocks. ETFs can be used as part of a diversified retirement investment portfolio.

What are defined contribution plans, and how do they work as retirement investments?

Defined contribution plans are retirement savings accounts in which an individual and their employer contribute funds. The individual assumes responsibility for investing and managing the funds.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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