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Navigating Key Investment Issues for Baby Boomers in Transition

Explore investment strategies for Baby Boomers like asset allocation, tax considerations, and exit plans. Learn about historical data, risk vs. reward, and transitioning to retirement with practical tips.

gretchen-nichols
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Navigating Key Investment Issues for Baby Boomers in Transition

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  1. Key Investment Issues Presented By: F³EFoundation for Financial Education www.f3eonline.org 240-499-0390 sharon @f3eonline.org

  2. Outline • A Little History…. • Risk vs. Reward • Baby Boom • Tax & Fee considerations • Asset Allocation • Investment Myths • Exit Strategies • Transitioning to Retirement

  3. A Little History • 100 Years of Data • Average Annual Rate of Return • Real Rate of Return • Asset Classes

  4. Risk VS. Reward • Volatility • Standard deviation • Equity Indexing

  5. Baby Boom • Boomers by the numbers • 7 seconds • 70 + Million • 2/3 of nations wealth

  6. Tax & Fee Considerations • Capital gains tax • Ordinary income • Retirement Accounts vs. non retirement • Compound interest=compound tax=compound inflation • Fees & LOC

  7. Asset Allocation • Stocks, Bonds & Mutual funds • ETF’s and Reits • Cash & Liquidity • A, B, C Shares

  8. Investment Myths • Everyone should invest • Growth needs active money managers • High risk= Greater reward • Taxes are ok if I am making money

  9. Exit Strategies • Estate Plan • Wills & Probate • Selling off assets • Charities and Trusts

  10. Transitioning to Retirement • Shifting from growth to income • Automated investment strategies • Inflation and taxes, the evil twin • Not out living your assets • Distribution laddering

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