CONTACT US: (952) 460-3260 / info@securedretirements.com

interest rates

The Student Housing Investment

It’s hard enough for students to come up with the money to pay the rising cost of college tuition, but what about room and board? In fact, at some colleges, the amount charged for housing has increased at a faster rate than tuition. This expense offers an opportunity for family members to help out. In some…

Read More

Trends in the ETF Market

In recent months, there has been a recent movement out of actively managed investments into passively managed instruments such as exchange-traded funds. Globally, ETFs gained more than $270 billion in 2016. An ETF is a single investment vehicle that tracks all of the securities within an index, a commodity, bonds or a group of assets…

Read More

What is a “safe” retirement withdrawal rate?

In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year.  A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to…

Read More

What Is “Reflation”?

In recent years, inflation in the United States has remained below the Federal Reserve Bank’s target rate of 2 percent, despite the agency’s efforts to jumpstart economic growth with low interest rates. However, the election of Donald Trump infused the markets with the spark they needed. After an initial drop attributed to uncertainty, the stock market…

Read More

The Science Behind Decision Making

In the 1940s, 90 percent of the stock market was owned by individual household investors. Today, with the widespread use of investment banking and mutual fund investing, individuals are responsible for trading only 20 percent of U.S. corporate equity. Do we no longer trust ourselves with investment decisions? You might think that, with so much…

Read More

How Millennials can Still Build Equity Through Home Ownership

Financial experts have long touted that buying a home is a foundation for building long-term wealth. In fact, the younger a homeowner enters the housing market, the more potential he has for greater wealth over his lifetime. However, fewer young adults today are buying houses than in the past. This puts a damper on the…

Read More

Why Convert a Roth IRA?

Investing in a traditional IRA while earning a paycheck is a good way to defer income taxes on the money you contribute. Currently, taxpayers who aren’t covered by a retirement plan at work may deduct the full amount of their annual contributions to a traditional IRA. Those who do participate in a work plan may…

Read More

What Are TIPS?

Inflation has been unusually low for the past several years, but it can still have a big impact. Even if the inflation rate hovers around the Federal Reserve’s 2 percent target range, the buying power of a dollar would be reduced to 67 cents over a 20-year period. To help offset the impact of inflation,…

Read More

Fed View on Interest Rates

In October, Federal Reserve Vice Chairman Stanley Fischer offered remarks concerning the state of the U.S. economy and some reasons for sustained low interest rates. He observed that the real interest rate could be considered the price that balances the economy’s savings reserves with its investment demand. To explain why interest rates are low, he…

Read More
X