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Investing for Retirement in Your 50s | Our Slightly Alternative Strategies

Retirement Investing in Your 50s | Our Slightly Alternative Strategies has solutions we discovered that you're probably not going to see elsewhere. Here's my Ultimate RISE Wealth Plan with more: https://retirecertain.com/rise/​ Camille Gaines, AFC Author, Real Live Investor Accredited Financial Counselor ---------------------------------------------------------------- Here’s what we did that worked…and didn’t work when we were investing for retirement in our 50's. 1. Invest – we want to do the opposite as we get older, but when we’re older we tend to have more money thus the capability to build wealth with less effort 2. Consider Diversifying beyond stocks and bonds when stocks are overvalued and when interest rates are low. Here’s why. Stocks correct below the mean every few years to flush out the excesses. We’ve gotten spoiled by the quick and easy bear markets of 2018 and 2020, forget 2008 drop 55% and tech bust Nasdaq dropped 78%. Bonds go down when interest rates go up. Alternative assets can make sense for many investors in their 50s. 3. Have a wealth plan that includes: Desired lifestyle – what you want, how much spend now vs desired, when you really want to retire, 4. Accumulate more, but also think about income investing, not only wealth building Income is what pays the bills, having 1 million sounds like a lot but what you really want to know is how much investment income it will generate Bonds yielded 8-9% in years when studies were done that support traditional retirement planning BUT now 1%... Bad news it takes more effort than collecting bond interest, Good news is it keeps us young, There are more opportunities than ever, and it's easier than ever to establsih income strategies for retirement in your 50s May not be ready to make transition from accumulation yet to income generating assets yet, but start thinking about it. When you think income, you can lay the foundation early for investments that generate income 5. Make risk management a priority; People invested heavily in stocks can Lose 50% or more of stock portfolio Estimate how much risk you have There are 14 kinds of risks in my Wealth Plan. Be prepared financially and emotionally when investing for retirement. 6. Have assets that go up when everything else goes down - Diversify into defensive assets, typically bonds, or gold. No one likes losses, but we can’t afford them when investing for retirement in our 50’s 7. Know and Low - Lower investment fees – This can increase returns another 1% to 2% a year! And remember, retire certain. _______________________________________ Retire Certain is about alternative retirement strategies from income streams and wealth building. Be sure to Subscribe, Click that little Bell after you subscribe so you know when I post a new video, and leave a comment or question. Find resources and little seen alternative retirement planning and strategies at https://retirecertain.com/​ where I share our crazy income stream after after stumbling into early retirement. Nothing in this video is meant to be taken as personal financial advice. Hire a financial advisor and if you need one. As a wealth coach, I do not invest for others.