Saturday, January 5, 2013

Top Investment Tips for Over 50's

retirement
retirement (Photo credit: 401(K) 2013)
Post-retirement survival is a major concern with the 50plus person. They look forward to securing their lives financially in the years following retirement. Right investment is the only solution to mitigate their worries about what life would be once they have retired from full-time professional engagement. You are approaching the retirement age if you are in your 50’s now. Delaying investment planning will do no good to you. Rather, it will cost you the comfort of a financially secure life. So, do hurry up planning investments to reap fruits for your twilight years. Here are some feasible investment tips and advice for your benefit. 

If you age 50 or more, the time span of investment is shorter for you. You are definitely looking to have stable returns on investment, at this stage. Make sure to choose from low-risk investment options. Needless to mention, lower risks mean lower returns. Investment plans such as government stock and grade bonds which offer fixed interest as sure return will benefit the 50 plus people like you. Isn't it the safe
investment advice to support your post-retirement life? 

Investment in shares to reap gains in a short time is one of the promising tips but with some risk for the 50 plus. Counted among conservative investment plans, shares involve risk factors but of a low level. It may incur temporary capital loss and lower the possibility of good returns that you expect from such investments. However, you can go for it if you don’t mind taking risk to some extent. 

Do you belong to the group of balanced investors? If yes, medium to long-term investment plans would work to your benefit. You are looking to ensure both – capital security and income surety. Balanced investment plans involve market volatility. If the market dips, returns go down. When the market rises, returns go up. The balance of ups and down in the market ensure balanced returns over a long term. There is no reason to fear market volatility. 

Doing a business after professional retirement is not a bad idea. You can start a business of your own in the same niche you have been into till the retirement age. It is because doing a known business is much easier and less challenging than doing a new one. More, you can better utilize your professional expertise and experience in this way. If you are looking to retire in your 50’s, investing in a business is advisable. Having a futuristic business model and a business planning is the key to max out returns on this sort of investment. Having business goals and setting a time frame to achieve them helps a lot as well. 


Being 50 or 50 plus is not too late for investment. You can invest irrespective of your age. What matters is proper evaluation of your needs, investment purpose and expected returns. Hope, you and others in the group of the 50plus will benefit from these investment tips.



3 comments:

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