Many retirees dream of building an investment portfolio large enough that they can simply live off the dividends and income it generates. That usually requires a diverse set of holdings across equities, fixed income and alternatives, such as real estate. The rate environment for fixed income has improved substantially over the past few years. Yields of 4% are still available on risk-free Treasury bills. Investment-grade corporate bonds are offering yields of nearly 5%. Venture further out on the risk spec ...

I have been covering Blue Owl Capital (NYSE: OWL ) since the very start of 2024, when I issued a rather bullish piece on it. At that time, the valuation multiple seemed way too low relative to aRoberts Berzins has over a decade of experience in the financial management helping top-tier corporates shape their financial strategies and execute large-scale financings. He has also made significant efforts to institutionalize REIT framework in Latvia to boost the liquidity of pan-Baltic capital markets. Other pol ...

Income investors continually search for a dependable stock that pays out reliable dividends.A great place to start is the REIT sector, as REITs are mandated to pay at least 90% of their earnings as distributions to enjoy tax benefits.But you will do even better if you identify blue-chip REITs that are part of the Straits Times Index (SGX: ^STI).These high-quality REITs can ensure that you have peace of mind to weather through tough economic conditions. They can also provide you with a steady income once you ...

Over the last decade, Apple’s stock has returned a compound annual growth rate (CAGR) of 25.21%, as calculated by FinanceCharts. Going back 20 years, it’s delivered an even more impressive 28.60% annualized return. Learn More: Here’s Why You Might Want To Invest Your Retirement Savings in a Roth 401(k) Consider This: 10 Genius Things Warren Buffett Says To Do With Your Money Meanwhile, the SPY index fund tracking the S&P 500 has delivered a CAGR of 8.61% over the last 20 years. Apple’s annualized returns ...

Ten years ago, Google stock (now Alphabet) traded around $37 per share (split-adjusted). Today, it’s worth about $251 per share. That means a $10,000 investment in late 2015 would be worth about $67,000 today — a solid return, but probably not enough to fund retirement. Find Out: Self-Made Millionaires Suggest 5 Stocks You Should Never Sell Read Next: 5 Types of Cars Retirees Should Stay Away From Buying The question isn’t whether Google made money for investors (it absolutely did), but whether realistic ...

Core Insights - The article discusses the potential of investing in exchange-traded funds (ETFs) that can help individuals grow their retirement savings, particularly focusing on the SPDR S&P MidCap 400 ETF Trust, Vanguard Information Technology ETF, and Schwab International Dividend Equity ETF [2][12][20] Group 1: SPDR S&P MidCap 400 ETF Trust - This ETF mirrors the S&P 400 Mid Cap index, which includes companies with market caps between $2 billion and $10 billion, representing a crucial growth phase for many organizations [1] - Historical performance shows that the S&P 400 has outperformed the S&P 500 by about 0.5% annually when reinvesting dividends and 1% without reinvesting dividends over the past 30 years [5] - The SPDR S&P MidCap 400 ETF is expected to experience more short-term volatility compared to the SPDR S&P 500 ETF, but it offers significant long-term growth potential for committed investors [6] Group 2: Vanguard Information Technology ETF - The Vanguard Information Technology ETF is highlighted as a better option compared to the Invesco QQQ Trust, as it exclusively includes technology stocks, providing exposure to a broader range of mid-cap and small-cap tech companies [9][10] - The ETF has a low annual expense ratio of 0.09%, making it a cost-effective choice for investors seeking tech sector exposure [11] Group 3: Schwab International Dividend Equity ETF - Launched in early 2021, this ETF aims to replicate the Dow Jones International Dividend 100 index and offers a current yield of over 4%, providing reliable payouts and exposure to international stocks [13] - The ETF serves as a hedge against U.S. market volatility and the fluctuating value of the U.S. dollar, as it includes companies that are less familiar to American investors [14][15] - Investors can choose to reinvest dividends, which historically has led to an average annual gain of over 9% for those reinvesting in the Dow Jones International Dividend 100 index over the past decade [16]

Core Insights - The article emphasizes the importance of starting early with monthly investments to secure a financial future for children, potentially making them millionaires by retirement age [1][4][7] Investment Strategy - To achieve a portfolio of at least $1 million by age 67, a monthly investment of $13.47 is required, assuming an average annual return of 10% [4][7] - The total amount accumulated would be $1,000,601.31, with only $10,829.88 being the principal investment, highlighting the benefits of compound interest [4][10] Inflation Considerations - The purchasing power of $1 million in 2092 is projected to be equivalent to approximately $138,000 today, assuming a 3% inflation rate over 67 years [5][6] - This indicates that while the nominal value of $1 million may seem substantial, its real value will be significantly diminished due to inflation [7][6] Compound Interest - The article illustrates the concept of compound interest, where returns on investments generate additional earnings, leading to exponential growth over time [10][8]

Mass.gov explains that crypto scammers often target seniors because they are perceived to have a lot of wealth due to retirement savings, and because criminals assume they aren't familiar with modern technology like cryptocurrencies so it will be easier to trick them into sending funds [2].Unfortunately, Mary's husband is not alone in this situation. In the 2024 Federal Bureau of Investigation Internet Crime Report, it was revealed that Americans 60 and over suffered the most losses of any age group due to ...

Core Insights - The article discusses investment strategies for individuals who have saved more for retirement than needed, emphasizing the importance of maximizing gains while minimizing risks [1][2]. Investment Account Preferences - Individuals should first decide between investing in a taxable account or a tax-sheltered account, as this choice influences the attractiveness of various safe investments [3]. - For those in higher tax brackets, earnings from CDs or high-yield savings accounts will be taxed at ordinary income rates, which can significantly reduce net returns [4]. Tax Considerations - A typical scenario involves individuals being in a 24% federal tax bracket and a 6% state tax bracket, effectively reducing a 5% return to 3.5% after taxes [5]. - To mitigate tax impacts, it is advisable to maximize contributions to tax-sheltered accounts like 401(k)s, especially making catch-up contributions after age 50 [5][6]. Safe Investment Options - High-yield savings accounts are highlighted as one of the safest investment options, offering competitive yields that can outpace inflation [6]. - Traditional savings accounts provide minimal returns, while some high-yield savings accounts can offer rates close to 5%, with FDIC insurance up to $250,000 per beneficiary [7].

Group 1 - The core idea is that retiring as a millionaire is achievable for many Americans with discipline and smart investment strategies [1] - Starting early is crucial; investing $100,000 with a compound annual growth rate (CAGR) of 6% over 40 years can yield over $1 million [3][4] - Diversifying investments reduces risk; a portfolio should ideally include at least 25 stocks across various industries [5][6] Group 2 - Investing in funds like mutual funds can provide diversification, but they may come with high fees and limited control [7] - Exchange-traded funds (ETFs) offer a low-cost way to diversify across various assets and can be traded like stocks [9] - Closed-end funds (CEFs) trade on stock exchanges and can invest in less liquid assets, but they may involve higher risks due to leverage [10]