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What Role Do Interest Rates Play in My Retirement Plans?

By: Income for Life
When it comes to retirement, having a strong, well-thought-out plan is crucial to ensuring your successful ability to not just achieve retirement but to stay retired as well. With so many variables, nuances, and contextual decisions to make, working with a professional financial advisor for your retirement income planning can easily be the difference-maker.
At Income For Life, we provide free resources, professional retirement income planning guidance, and annuity options for a secure future. In today’s blog from Income For Life, we will briefly cover how interest rates can play a role in your retirement planning.

Investing in Bonds

A traditional approach to retirement planning typically revolves around three primary principles:
  1. Start investing early.
  2. Invest in high-yield, high-risk investments early.
  3. Shift your assets to lower-yield, lower-risk investments over time.
While there is a good fundamental sense in this high-level approach, the really important decisions must be made with details and data.
Bonds are a perfect example, as they are a popular option for people who find themselves shifting towards the more conservative phase of their retirement investing.
Bonds can help to diversify and stabilize your retirement portfolio, but they’re not without risks on their own.
Bond value changes inversely to interest rates. In other words, when interest rates go up, bond values go down. This can mean that bonds aren’t necessarily a reliable long term asset as many people suppose them to be.

Diversification is Important

Income For Life doesn’t disapprove of bonds as a part of the right retirement strategy, and we hold that diversification of your retirement funds is important, especially as you approach your actual retirement date.
Annuities are a great addition to bonds and other diversification strategies to help you create a more reliable and secure retirement, on time and for good, because like bonds, they offer a safer alternative to the stock market. Income For Life offers an array of annuities and can help you determine if an annuity is a good fit for your retirement plans, and if so, help you select the right one for you.

Understand Your Options

At Income For Life, we help you understand your options and what to expect. Whether you are looking for an immediate annuity, a deferred income annuity, a fixed annuity, or a variable annuity, we can help. And if you’re not sure what you’re looking for yet, we can help with that, too.

Annuities provide:
  1. A guaranteed income stream for the remainder of your life
  2. Protection from market downturns
  3. Tax-deferred asset accumulation
  4. And death benefit options during the accumulation phase.
With the potential ahead for a higher interest rate environment, annuities might just be the right choice for you.

Discover if an Annuity is Right For Your Retirement Strategy With Help From Income For Life

Get in touch with Income For Life today and get your questions answered. To learn more about our services and how to plan for your retirement, visit our website and sign up for our eight-part series: The Retirement Roadmap. We look forward to providing you with the resources and services you need to secure the lasting retirement you’ve planned on.

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