informa
/
9 MIN READ
Blogs

For Older Investors, Old Rules May Not Apply

The stock market’s damage has already been done. And if you’re one of those people near or already in retirement, you already know you’re going to have to work longer, save more or spend less.
The stock market’s damage has already been done. And if you’re one of those people near or already in retirement, you already know you’re going to have to work longer, save more or spend less. But what should you do right now with the money you have left? Should you wade back into the stock market, if you bailed out when the market was plunging? Or if you watched your investments drop and then recover a little in the last few months, should you just hold on? What happens if the market doesn’t fully recover for a long time? (That happened in Japan in the ’90s.) This economic downturn has been steep enough and frightening enough to undermine the idea that the stock market, over time, will always deliver. So a lot of investors have retreated to a more conservative stance. The wisdom of that move is debatable. The investment industry warns that becoming too defensive is costly in the long run. Its argument goes something like this: People are living longer, retirement may last 25 or 30 years and stocks are supposed to protect you from the ravages of inflation. And since stocks tend to outpace most investments over long periods of time, the industry says, your savings will do all right in the end.
But expat accident insurance some people are no longer comfortable car insurance tampa with that logic. Montana unemployment insurance td auto insurance There’s even michigan car insurance a new free dental insurance study suzuki insurance rates that australian pensioner insurance contends insurance news coventry holding stocks Travel evacuation insurance american republic insurance over long periods of direct auto insurance time may be avandra freedom insurance riskier than previously insure oklahoma thought. motorbike insurance uk insurance laser Robert home renters insurance F. Stambaugh, motorcycle insurance massachusetts a flood insurance agency nationwide auto insurance finance insurance + IL travel insurance ireland professor at the Wharton School at the University personal property insurance of red flags insurance Pennsylvania title insurance canada temporary car insurance and a co-author auto insurance questions of CA unemployment insurance volvo truck insurance tummy tuck insurance the report, discount travel insurance permanent health insurance said wont call insurance low car insurance most beneficial life insurance investment vsp optical insurance nationwide insurance CT research custom car insurance only accounted for the risk of short-term carroll insurance ohio market complete dental insurance virgin car insurance swings around the stock market’s unemployment insurance calculator average gain over time. It doesn’t car insurance providers factor in the fact, he said, that the average itself compare homeowners insurance is national marine insurance subject to change. So what should retirees and pre-retirees make of rider insurance nj all of this? “If another investors insurance managers decline in the market travel cancellation insurance is going to chartered insurance institute bankrupt you or put you out of business or cigna eye insurance canadian motorcycle insurance auto insurance agents destroy your renter insurance quote retirement medicare primary insurance account, you principal group insurance snowmobile insurance quote should not Arkansas equine insurance flood insurance claims go boat insurance costs cheapest car insurance back into the stock market,” said ameritas life insurance John C. Bogle, the founder heath care insurance of individual optical insurance life insurance investment Vanguard and country companies insurance viewed by medicare insurance plans many as the father of insurance discussion forum index investing. “It’s health insurance letter not complicated. metlife auto insurance The advantage freedom insurance stock group health insurance market can steve love insurance go up and down a lot unicare health insurance and nobody dental insurence really knows apollo insurance how girls of insurance much and when.” What’s worked suv insurance ratings for fiduciary insurance Mr. national dental insurance Bogle may not cigna disability insurance work for boat insurance australia short term insurance you, but his method isn’t a pet boarding insurance bad place to start. “I have this threadbare rule that has worked investors insurance company very well for occidental insurance me,” disability insurance plans halifax holiday insurance he said in an gym insurance coverage interview spokane falls insurance this week. “Your bond farmers insurance group position 1st acceptance insurance should business insurance brokers encompass auto insurance equal sand rail insurance auto insurance fraud your insurance newsletter Bulgaria car insurance age.” Mr. Bogle, by the way, is geico insurance song 80 years old. That’s a rather conservative recommendation, by many financial auto insurence planners’ business insurance coverage property insurance florida standards. In fact, Vanguard rice insurance itself international travel insurance offers moped insurance products that are more aggressive. international life insurance ward watkins insurance Its target-date funds — whose underwriting in insurance investment california insurance agencies Delaware insurance department mix grows more conservative as retirement nears motorcycle insurance — recommend that people rickey fields insurance retiring british american insurance in 2010 (generally, people erie car insurance who are 65) international medical insurance should florida title insurance car insurance costs split rop life insurance their vehicle insurance ratings savings evenly between stock good health insurance physician malpractice insurance and bonds. Charles Schwab, by aetna life insurance contrast, has michigan auto insurance recently reduced the risk well women insurance union life insurance insurance books for its target-date funds. The company’s 2010 fund will allocate about breakdown insurance gray zone insurance 40 percent to stock funds next year, down first protective insurance embrace pet insurance no medical insurance from 50 percent business health insurance in kart racing insurance the past. “It’s a reflection that our insurance law jobs clients’ appetite for risk has changed,” said free insurance quote Peter Crawford, farmers insurance company erie insurance exchange health insurance temporary ohio homeowners insurance a senior vice travel insurance usa life insurance canada president at health insurance plain pmia pet insurance Charles Schwab Investment Management. But top dog insurance you swinton car insurance shouldn’t atlas insurance sarasota simply view auto insurance estimate country financial insurance suzuki insurance your investments through the lens ambulance + insurance of cleaning insurance how much estimate homeowners insurance you household insurance mexico car insurance allocate to different insurance survey companies investments (though you car insurance will need to windhaven auto insurance come up with a plan). crafters insurance Instead, dental insurance missouri you Lincoln life insurance should HOG riders insurance cheap insurance finder schengen insurance condo insurance work motorcycle towing insurance your way backward. First, consider how insurance franchise cheap life insurance much you will need to live when acupuncture insurance biller you’re retired and then figure personal umbrella insurance aig car insurance out how you’ll pay wal-mart pharmacy insurance for watkins insurance it. Nearing Retirement Ideally, you cover florida insurance should have started to slowly california renters insurance shrink your stock position Chandler az insurance insurance brokers first american insurance over your working career. insurance field nurse conceal carry insurance But some financial planners have become more conservative church mutual insurance about bicycle shop insurance that. Before florida homeowners insurance florida insurance property the life insurance forum market’s medical evacuation insurance sharp downturn, direct insurance Warren McIntyre, best term insurance dental insurance massachusetts Medicare co-insurance a uk life insurance financial planner in Troy, Mich., typically medical malpractice insurance reduced his clients’ csaa insurance stock allocations advantra freedom insurance by about 1 survey trust insurance percent each year. Now, best insurance rate for older business credit insurance investors, he auto insurance company ratchets health insurance survey down their auto insurance fl stocks by sprint phone insurance 2 rough notes insurance percent unicare dental insurance each year once they reach happy tails insurance 60. So a 65-year-old’s water damage insurance health insurance quote Wisconsin health insurance investments would hertz gold insurance insurance appraisal texas 4 most insurance be alfa insurance Nashville rbc trip insurance evenly cheap family insurance erie insurance split caremark insurance company between stocks and disability insurance companies Strunk insurance Arizona bonds. Other planners unisom insurance are costco car insurance taking kids health insurance even more kids vision insurance defensive positions. “We are still very concerned about the status of the economic delta dental insurance recovery insurance statistics and remain blanket property insurance quite defensive as homeowners insurance rates a result,” said Chip vsp eye insurance superior dental insurance car insurance nz bariatric insurance company self insurance kit car insurance Addis, a financial planner motorcycle insurance canada in Wayne, Pa., who invests his clients’ portfolios in only 40 percent hermes export insurance stocks. Of course, there’s no one atlas insurance agency insurance card scanner contractor liability insurance formula. Milo Benningfield, a fee-only planner in San group life insurance Francisco, for collectible car insurance instance, said he put a 61-year-old client medicare insurance in a homeowners warranty insurance insurance boat auctions insurance appeal letter gmac homeowners insurance portfolio with 60 hotchkiss insurance percent pat barrett insurance in diversified dental insurance fraud stocks and alternatives (like real estate) and 40 percent in aarp health insurance fixed-income (largely split automibile insurance buildings insurance compare among let property insurance high-quality, short-term and intermediate-term bonds and global travel insurance cash). But home insurance australia this insurance dental canada client can afford to look insurance take that risk — building insurance the client owns a house, life insurance advice rental broker insurance lead property nursing liability insurance cotinine test insurance and has other holdings outside the portfolio. The picture medical insurance quote hochheim insurance may change for comments coventry insurance pre-retirees who are 61 campground insurance and close to meeting their savings goals, affordable insurance but can’t afford to cooker appliance insurance lose any money. “We would ask ourselves to what degree, if merkle bike insurance auto insurance coverage any, can you afford insurance agent leads equities,” california homeowners insurance Mr. homeowner insurance florida Benningfield said. If inflation aetna health insurance was their only concern, mortgage calculator insurance vacant house insurance poultry confinement insurance delaware health insurance apartment renters insurance he homeowners insurance florida might invest their money car insurance florida across florida property insurance a pilot car insurance ladder of columbian life insurance Treasury Inflation-Protected Securities, coventry insurance company or atlas mutual insurance TIPS, which farm insurance quotes online health insurance are backed electric insurance by the government dog insurance quote bond insurance bike line insurance and keep cosmetic dental insurance pace with inflation.

Latest Jobs

Treyarch

Playa Vista, Los Angeles, CA, USA
9.12.23
Senior Level Designer (Zombies)

PlayStation Studios Creative Arts

Petaling Jaya, Selangor, Malaysia
9.14.23
Lead Concept Artist

High Moon Studios

Carlsbad, CA, USA
9.20.23
Technical Designer at High Moon Studios

High Moon Studios

Carlsbad, CA, USA
9.18.23
VFX Artist
More Jobs   

CONNECT WITH US

Explore the
Advertise with
Follow us

Game Developer Job Board

Game Developer

@gamedevdotcom

Explore the

Game Developer Job Board

Browse open positions across the game industry or recruit new talent for your studio

Browse
Advertise with

Game Developer

Engage game professionals and drive sales using an array of Game Developer media solutions to meet your objectives.

Learn More
Follow us

@gamedevdotcom

Follow us @gamedevdotcom to stay up-to-date with the latest news & insider information about events & more