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With Interest Rates Low, What’s A Retiree To Do? #GotBitcoin

The investment landscape has changed for older investors. Here’s some advice on how to navigate it. With Interest Rates Low, What’s A Retiree To Do? #GotBitcoin

Managing a nest egg seldom has been more complicated.

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Although returns on safer assets have been paltry for some time, they plunged to new lows this year as the Federal Reserve aggressively loosened its monetary policy to underpin the economy.

The result? In this year of huge uncertainty about the economy and markets, older investors have been driven into riskier and riskier strategies.

“The challenge facing anyone in retirement is just being able to generate stable, safe income,” says Andrew Mies, chief investment officer at Wichita-based advisory firm 6 Meridian.

Market professionals believe the picture will improve once the nation gets Covid-19 under control. The economy continues to regain strength, and the Fed is expected at some point to allow rates to trend higher. But all of that could take several years. Meanwhile, older investors will have to stretch further and be savvier about deploying their savings, professionals say.

For now, it may make sense to hold less in bonds and rely more on appreciation in stocks and dividend income to get the returns an investor needs. Here are some other takeaways on how the investment landscape has shifted and suggestions on how to navigate it:

Keep Cash To A Minimum

Everyone needs cash. But high-yielding bank accounts now pay less than the 1.2% annualized U.S. inflation rate. And bank rates won’t rise soon, because Fed policies are crimping bank margins, says Bill Lanzon, chief investment officer at First American Bank, near Chicago. “You park money for safety, not to actually earn interest,” Mr. Lanzon says.

Anthony Saglimbene, global market strategist at Ameriprise Financial Services, suggests some retirees use a three-bucket strategy.

The first bucket should contain enough cash and short-term bonds to cover projected spending needs for the next one to three years. With returns on such investments so low, some advisers say this allocation ideally should represent no more than 15% of the overall portfolio—although the exact proportion must be tailored to an investor’s circumstances.

Bucket No. 2 is primarily for assets that produce income. The interest and dividend payments can be funneled into the first bucket to help maintain the level of funds there. An investor with a moderate risk appetite might keep around half of the assets in this bucket in bonds and the remainder in a mix of stocks, alternatives and cash, says Mr. Saglimbene.

The third bucket comprises mostly equities, which are important to own, even for people in their 60s and 70s. While the exact equities allocation would depend on an investor’s risk preferences, Mr. Saglimbene recommends about 60% stocks for a moderate approach.

To raise additional cash for spending needs and keep the bucket in balance, an investor might periodically trim any stockholdings that have appreciated a lot more than others.

Watch Dividends Closely

As the economy tanked this year, dozens of companies slashed dividends to preserve capital—and that eroded payouts from dividend-focused funds. The payouts eventually may be restored, but meanwhile, retirees need to be strategic about stocks or funds they own for dividends, says Mr. Mies of 6 Meridian.

Be wary of dividends with high-single-digit yields, he cautions. Dividend yields move inversely to stock prices, and a lofty one may suggest investors expect the payout to be trimmed.

Before buying a stock, eyeball the financial reports. “Generally, there are signs in financial statements when a company is struggling to pay dividends,” Mr. Mies says. The dividend-payout ratio—the percentage of its earnings a company pays out in dividends—is one key metric. Above 50% could be a sign of trouble.

Some ETFs focus on companies whose financial metrics are strong enough to suggest dividend sustainability. Those include Wisdom Tree U.S. Quality Dividend Growth (DGRW) and the FlexShares Quality Dividend Index Fund (QDF).

Use Stock Appreciation To Supplement Income

When investors think about getting income from stocks, dividends usually come to mind first. But another strategy advisers use is “total return,” which involves tapping the appreciation in some of the securities an investor owns to supplement income from other sources.

To implement a total-return strategy, calculate how much of anticipated spending needs already are being met by other regular income sources, which could include Social Security. An investor then would sell some securities from time to time, using the proceeds to make up any shortfall.

Raising cash through such sales should go hand-in-hand with rebalancing a portfolio, says Kathy Carey, head of research at Baird Private Wealth Management.

Investors often are reluctant to sell their best-performing holdings, particularly if there is a large tax liability. But periodic pruning of stocks that have ballooned in value can reduce the likelihood that an investor’s equity allocation gets out of balance, she adds.

Keep Bonds Short-Term

Bond income can provide a way to buffer a portfolio from equity risk. But for now, bonds pose a dilemma, notes Ed Perks, a senior manager at Franklin Templeton Investments. Although yields have risen a little recently, they remain near historic lows.

And if the economy rebounds significantly in a year or two—as Mr. Perks believes is possible—yields could rebound also.

In such a scenario, bond prices, which move in the opposite direction to yields, would drop, causing bonds to lose principal value, at least on paper.

Mr. Perks urges investors to be careful of stretching too far out on the maturity spectrum, because he believes current yields aren’t high enough there to compensate bondholders for the potential risk of principal losses. Mr. Perks says bond managers at Franklin currently are “much more comfortable” with maturities of two to six years than with longer maturities.

James DiChiaro, a senior fund manager at the Insight Investment unit of BNY Mellon Investment Management, says broadly diversified, intermediate-maturity bond funds offer the best risk-return mix. Among such funds rated highly by Morningstar Inc. is Fidelity Total Bond Fund (FTBFX), with an expense ratio of 0.45%. Meantime, iShares Core Total USD Bond Market (IUSB) owns thousands of individual securities and charges only 0.06% in expenses.

Higher-quality bond funds now yield only around 2% or less. But they may offer some potential for principal appreciation, particularly if they hold bonds that have gotten battered in this year’s market turmoil, Mr. DiChiaro says.

“Uncertainty is far higher this year than in almost any other year, so I can’t overemphasize the importance of having a portfolio that’s not exposed just to one part of this market,” he adds.

 

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The Provident Bank Now Offers Deposit Services For Crypto-Related Entities (#GotBitcoin?)

Bitcoin Could Help Stop News Censorship From Space (#GotBitcoin?)

US Sanctions On Iran Crypto Mining — Inevitable Or Impossible? (#GotBitcoin?)

US Lawmaker Reintroduces ‘Safe Harbor’ Crypto Tax Bill In Congress (#GotBitcoin?)

EU Central Bank Won’t Add Bitcoin To Reserves — Says It’s Not A Currency (#GotBitcoin?)

The Miami Dolphins Now Accept Bitcoin And Litecoin Crypt-Currency Payments (#GotBitcoin?)

Trump Bashes Bitcoin And Alt-Right Is Mad As Hell (#GotBitcoin?)

Goldman Sachs Ramps Up Development Of New Secret Crypto Project (#GotBitcoin?)

Blockchain And AI Bond, Explained (#GotBitcoin?)

Grayscale Bitcoin Trust Outperformed Indexes In First Half Of 2019 (#GotBitcoin?)

XRP Is The Worst Performing Major Crypto Of 2019 (GotBitcoin?)

Bitcoin Back Near $12K As BTC Shorters Lose $44 Million In One Morning (#GotBitcoin?)

As Deutsche Bank Axes 18K Jobs, Bitcoin Offers A ‘Plan ฿”: VanEck Exec (#GotBitcoin?)

Argentina Drives Global LocalBitcoins Volume To Highest Since November (#GotBitcoin?)

‘I Would Buy’ Bitcoin If Growth Continues — Investment Legend Mobius (#GotBitcoin?)

Lawmakers Push For New Bitcoin Rules (#GotBitcoin?)

Facebook’s Libra Is Bad For African Americans (#GotBitcoin?)

Crypto Firm Charity Announces Alliance To Support Feminine Health (#GotBitcoin?)

Canadian Startup Wants To Upgrade Millions Of ATMs To Sell Bitcoin (#GotBitcoin?)

Trump Says US ‘Should Match’ China’s Money Printing Game (#GotBitcoin?)

Casa Launches Lightning Node Mobile App For Bitcoin Newbies (#GotBitcoin?)

Bitcoin Rally Fuels Market In Crypto Derivatives (#GotBitcoin?)

World’s First Zero-Fiat ‘Bitcoin Bond’ Now Available On Bloomberg Terminal (#GotBitcoin?)

Buying Bitcoin Has Been Profitable 98.2% Of The Days Since Creation (#GotBitcoin?)

Another Crypto Exchange Receives License For Crypto Futures

From ‘Ponzi’ To ‘We’re Working On It’ — BIS Chief Reverses Stance On Crypto (#GotBitcoin?)

These Are The Cities Googling ‘Bitcoin’ As Interest Hits 17-Month High (#GotBitcoin?)

Venezuelan Explains How Bitcoin Saves His Family (#GotBitcoin?)

Quantum Computing Vs. Blockchain: Impact On Cryptography

This Fund Is Riding Bitcoin To Top (#GotBitcoin?)

Bitcoin’s Surge Leaves Smaller Digital Currencies In The Dust (#GotBitcoin?)

Bitcoin Exchange Hits $1 Trillion In Trading Volume (#GotBitcoin?)

Bitcoin Breaks $200 Billion Market Cap For The First Time In 17 Months (#GotBitcoin?)

You Can Now Make State Tax Payments In Bitcoin (#GotBitcoin?)

Religious Organizations Make Ideal Places To Mine Bitcoin (#GotBitcoin?)

Goldman Sacs And JP Morgan Chase Finally Concede To Crypto-Currencies (#GotBitcoin?)

Bitcoin Heading For Fifth Month Of Gains Despite Price Correction (#GotBitcoin?)

Breez Reveals Lightning-Powered Bitcoin Payments App For IPhone (#GotBitcoin?)

Big Four Auditing Firm PwC Releases Cryptocurrency Auditing Software (#GotBitcoin?)

Amazon-Owned Twitch Quietly Brings Back Bitcoin Payments (#GotBitcoin?)

JPMorgan Will Pilot ‘JPM Coin’ Stablecoin By End Of 2019: Report (#GotBitcoin?)

Is There A Big Short In Bitcoin? (#GotBitcoin?)

Coinbase Hit With Outage As Bitcoin Price Drops $1.8K In 15 Minutes

Samourai Wallet Releases Privacy-Enhancing CoinJoin Feature (#GotBitcoin?)

There Are Now More Than 5,000 Bitcoin ATMs Around The World (#GotBitcoin?)

You Can Now Get Bitcoin Rewards When Booking At Hotels.Com (#GotBitcoin?)

North America’s Largest Solar Bitcoin Mining Farm Coming To California (#GotBitcoin?)

Bitcoin On Track For Best Second Quarter Price Gain On Record (#GotBitcoin?)

Bitcoin Hash Rate Climbs To New Record High Boosting Network Security (#GotBitcoin?)

Bitcoin Exceeds 1Million Active Addresses While Coinbase Custodies $1.3B In Assets

Why Bitcoin’s Price Suddenly Surged Back $5K (#GotBitcoin?)

Bitcoin’s Lightning Comes To Apple Smartwatches With New App (#GotBitcoin?)

E-Trade To Offer Crypto Trading (#GotBitcoin)

US Rapper Lil Pump Starts Accepting Bitcoin Via Lightning Network On Merchandise Store (#GotBitcoin?)

Bitfinex Used Tether Reserves To Mask Missing $850 Million, Probe Finds (#GotBitcoin?)

21-Year-Old Jailed For 10 Years After Stealing $7.5M In Crypto By Hacking Cell Phones (#GotBitcoin?)

You Can Now Shop With Bitcoin On Amazon Using Lightning (#GotBitcoin?)

Afghanistan, Tunisia To Issue Sovereign Bonds In Bitcoin, Bright Future Ahead (#GotBitcoin?)

Crypto Faithful Say Blockchain Can Remake Securities Market Machinery (#GotBitcoin?)

Disney In Talks To Acquire The Owner Of Crypto Exchanges Bitstamp And Korbit (#GotBitcoin?)

Crypto Exchange Gemini Rolls Out Native Wallet Support For SegWit Bitcoin Addresses (#GotBitcoin?)

Binance Delists Bitcoin SV, CEO Calls Craig Wright A ‘Fraud’ (#GotBitcoin?)

Bitcoin Outperforms Nasdaq 100, S&P 500, Grows Whopping 37% In 2019 (#GotBitcoin?)

Bitcoin Passes A Milestone 400 Million Transactions (#GotBitcoin?)

Future Returns: Why Investors May Want To Consider Bitcoin Now (#GotBitcoin?)

Next Bitcoin Core Release To Finally Connect Hardware Wallets To Full Nodes (#GotBitcoin?)

Major Crypto-Currency Exchanges Use Lloyd’s Of London, A Registered Insurance Broker (#GotBitcoin?)

How Bitcoin Can Prevent Fraud And Chargebacks (#GotBitcoin?)

Why Bitcoin’s Price Suddenly Surged Back $5K (#GotBitcoin?)

Zebpay Becomes First Exchange To Add Lightning Payments For All Users (#GotBitcoin?)

Coinbase’s New Customer Incentive: Interest Payments, With A Crypto Twist (#GotBitcoin?)

The Best Bitcoin Debit (Cashback) Cards Of 2019 (#GotBitcoin?)

Real Estate Brokerages Now Accepting Bitcoin (#GotBitcoin?)

Ernst & Young Introduces Tax Tool For Reporting Cryptocurrencies (#GotBitcoin?)

How Will Bitcoin Behave During A Recession? (#GotBitcoin?)

Investors Run Out of Options As Bitcoin, Stocks, Bonds, Oil Cave To Recession Fears (#GotBitcoin?)

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