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The Best Options for Long Term Retirement Planning

By Edited Dec 31, 2013 0 2

Investment Planning Tips

Long Term Investments

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We all acknowledge that sooner is much better than later, especially when it concerns planning your retirement. The more money you save and the longer that money has to mature and work for you, the better the position you're in to relish your retirement to its broadest. With this in mind, you need to plan all of your retirement investments as long-term instead of quick turnover investments.

It is often luring to risk it all for the promise of a high return on your investment but you must keep in mind that with great reward comes great risk and most of the time your peace of mind is simply not worth that particular risk. There are a lot of different types of long-term investments that you could find it to be reasonable and even attractive investments.

Bonds in particular are a popular long-term investment. These are a lot like bank issued CDs with the minor exclusion that bonds are issued by the government. There are many kinds of bonds and you should study them all before giving in to one over another. If you choose the right bond you may find that given enough time your bond will double over in value over time.

Mutual funds are another popular investment for long-term investors. These are pools of money that are merged in order to invest in stocks, bonds, and other short-term investment ventures including securities. These funds are managed by the fund manager who decides where and how the money will be invested. This allows you to reap the rewards that his or her experience will pull in for you over time.

Stocks are another popular alternative for those interested in long-term investing. It should be observed that investing in stocks is much more high-risk than investing in mutual funds though the payouts when matters go well are oftentimes much heartier. If you decide to cut into into the realm of stock market investment you should be mindful that every transaction costs money, that you need to exhaustively research the ins and outs of this type of investing, and that you are taking a significant risk with your retirement investment. You should also be perfectly certain that you thoroughly study the companies in which you plan to invest and only invest in companies that are well established and demonstrating strong potential for future growth.

With any major financial decision you should confer with your financial advisor for guidance and advice. His or her job is to help you turn your restricted investments into as much money as possible in order to guarantee your future and your retirement. The counsel that a good financial advisor can provide when it concerns long term investing is priceless and should not be brushed off or taken for granted any more than the advice you'd receive from a doctor or a lawyer.

My favored type of long-term investment is real estate. Although there are those that will contend that the return on this investment is too small to save for retirement, I would argue that the fact that decently maintained and leased units will pay for themselves over time making them gross profit when the time comes to sell or simply to keep a monthly income throughout your retirement. The more rental properties you have the better your financial position and the more alternatives you have when the time comes to sell those properties. Real estate is one area in which fortunes are made and lost on a steady basis. Rental property is the best bet for most when it comes to long-term investment and the most significant return on investment. There are choices that go well beyond buy and hold when it comes to real estate. If this doesn't arouse you perhaps rehabbing property or the even more high-risk field of pre-construction investing will offer more appeal.

investments

Long-term investments will represent the primary fuel for your financial retirement funds and plans. You need to cautiously deliberate the best conceivable option for your needs and work towards you financial goals.  To get the freshest updates on the best investment options, there are investment newsletters that are readily available to satisfy your financial queries.

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Comments

Sep 18, 2010 10:09pm
scheng1
The price of stock and Bond goes in opposite direction. Best to buy stock in recession, and bond during a boom
Oct 25, 2010 6:01pm
hot_spot_investments
I agree completely with your post. Putting off retirement planning is one of the main reasons 95% of Americans retirement plans fail. Real estate has always been the source of all real wealth ever created in the world, when using leverage and finding properties that have a good annual growth rate, you stand a far better chance of having a decent retirement. Most people in America do not even know how much it will take to retire (anywhere from $1 million to $9 million depending on age). My company for one, provides a real estate product, that is created specifically for retirement investment purposes, and has a 10% minimum annual growth rate. I encourage everyone to think about the fact that going back to work in your retirement years is a very real and trajic future. Plan for the future early and don't get caught up trying for unrealistic returns in other investment ventures. Use the same strategy that has been making people wealthy for generations, invest in real estate!!
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