Rebalancing

Your investment portfolio may be off-kilter, and you may not even know it.

Is 80% of your portfolio held in equities? Perhaps it is without you realizing it. You could invite this risk, and others, if you go too long without rebalancing your portfolio.

Some investors stick with the same asset allocation in their investment portfolios (and retirement accounts) for decades: they “set it and forget it.” The longer the initial (target) asset allocation goes unreviewed, the greater the potential divergence between the target allocation and the actual allocation.

It just might be. Here’s why baby boomers are choosing immediate annuities.     

Worried about outliving your money? You share that fear with many baby boomers. No one wants to spend their last dollar before the last day of their life. Since you can’t tell when that day will be – and since you may need more income long before that day arrives – you may want to look into an immediate annuity.

An immediate annuity provides “immediate” income. In fact, immediate annuities are income contracts issued by insurance companies. They have been around for decades, and actually trace their roots back to the Roman Empire.¹