Vanguard Says Retirement Is Changing (for the better)
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- Опубликовано: 8 фев 2025
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*373 {Hammad}[Hammad] Vanguard Says Retirement Is Changing(for the better)
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We sold our house and rent. It has worked well for us, we can afford to rent a very nice apartment and draw down the capital, conservatively invested , gradually to supplement our lifestyle.
Renting means we don’t have any maintenance or repairs to worry about and we can move as and when our needs change. There are downsides but for us the advantages far exceed them.
I put three kids through college thanks to Vanguard’s Healthcare fund.
This was really interesting, thanks Azul!
Theres a LOT of variation within these states. You can likely extract a lot of equity in WA if you've lived for some time in the Seattle area, not nearly as much if you're in Spokane. Similar is true in VA, where you might have lots of equity in McClean, but much less if you're in Charlottesville. So, it matters a lot more which cities you're leaving and moving to than which states. When you bought your home and how long you've owned it also matter a lot. Point is, the map is useful as a data point, but it's not the whole story.
I believe the retirement crisis will get even worse. Many struggle to save due to low wages, rising prices, and exorbitant rents. With homeownership becoming unattainable for middle-class Americans, they may not have a home to rely on for retirement either.
Got it! Buying stocks during a recession when prices are down could be a good move. You might get them at a lower price and sell later when they go up. Just do your homework and be aware of the risks before diving in!
That's awesome! Investing in stocks with a reliable trading system can lead to great outcomes. It's fantastic that you've been working with a financial advisor for a year now. Starting with less than $200K and being just $19,000 away from making half a million in profit is impressive! Keep up the good work!
Mind if I ask you to recommend this particular coach you using their service?
Melissa Terri Swayne is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Found her on google, I wrote her an email and scheduled a call, hopefully she responds, I plan to start the year on a woodnote financially..
Other studies have shown that most people (80%) don’t have much saved for retirement, like < $50k. So, how can their houses only make up 50% of their retirement assets ? Wouldn’t it be closer to 100% ?
Cleveland, Ohio !
I like to treat Cleveland like a scooby doo episode! Scare people away and tell them how bad it is, so they don’t come here and ruin it! Like old Mr Smalls dressing like a ghost to scare people away from the diamond mine!
Morningstar has interviewed Wade Pfau on the use of a reverse mortgage in your retirement income plan.
We will be in a more expensive market, but we will use our equity to rent there! It is in the ten year plan.
When was you able to retire and how old are you know? I am roughly 61 1/2 and not sure yet how long I will work till I can retire yet?
According to Zillow I have ~246K in equity but it would cost me ~44K in closing costs nearly 20% of my equity, then paying moving costs out of state would be high as well. So yeah I'd have a nice chunk but I also paid ~$150K down nearly five years ago so the net return wouldn't be horribly high. But with $150K investment down and paying considerably less per month than rent would have cost me I do come out way ahead but I put a lot of the monthly rent savings into improvements.
Disingenuous intro because article is two years old, from Feb 2023.
I just turned 46 and awfully late to investing with barely any portfolio except my 401k, I have a decent amount of cash saved up and with inflation currently soaring AGAIN, I’m getting worried about retirement, my intention is to retire at 55. How best do I maximize my savings of over $150k
I am at the beginning of my "investment journey", planning to put 355K into dividend stocks so that I will be making up to 30% annually in dividend returns. any good stock recommendation on great performing stocks or Crypto will be appreciated!
As a newbie investor, it’s essential for you to have a mentor to keep you accountable. Ruth Ann Tsakonas is my trade analyst, she has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.
I managed to grow a nest egg of around 120k to over a Million. I'm especially grateful to Adviser Ruth Ann Tsakonas, for her expertise and exposure to different areas of the market.
I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than $200k passively by just investing through an advisor, and I don't have to do much work. Inflation or no inflation, my finances remain secure. So I really don't blame people who panic.
Without a doubt! Ruth Ann Tsakonas is a trader who goes above and beyond. she has an exceptional skill for analysing market movements and spotting profitable opportunities. Her strategies are meticulously crafted on thorough research and years of practical experience.
how would you recommend i enter the crypto market? I am also looking at studying some traders and copying their strategy rather than investing myself and losing money emotionally. What's your take on this approach? and How can i reach her, if you don't mind me asking?
Vanguard are a horrible company. Small investors should stay away.
They just lowered there fees
I like them