Retirement is a life-changing event. You must reposition assets inside your retirement plans previously used to accumulate wealth into retirement solutions designed to provide a lifetime of income. The transition from “accumulation” to “income and preservation” can be daunting.
This task is further complicated by the low interest rate environment you face today, which may cause the income generated from your investments to be historically low. This presents a potential hardship since you seek preservation, but the only way you can get the income needed is to withdraw principal from your investments. Another possibility is that they remain invested, but you have difficulty sleeping at night because you are exposed to market volatility. In this low interest rate environment, it may feel like your retirement income isn’t going to be able to sustain itself.
Having a sufficient source for ongoing income and the right financial portfolio in place can help protect you against sleepless nights—and give you the confidence to look ahead to your retirement.
Founders Investment Services may provide you with an alternative to low rates. Our Financial Consultants may be able to provide investment alternatives that may generate higher yields than what you may have now after a full understanding of your risk tolerance and goals. Furthermore, in the face of wealth destroying inflation, our Financial Consultants may be able to help you keep up with and outpace inflation. A meeting with one of our Financial Consultants will provide the information you need to make an informed decision and provide guidance along life’s way.
If your investments are not generating enough income, or even what they used to, maybe it’s time you talked to a Founders Financial Consultant in Investment Services. If your financial goals include polishing your investment portfolio for sustainable, consistent, and ongoing income, speak to one of our advisors.
Together, we’ll assess your needs and concerns, discuss your options, and then decide on a practical solution that meets the needs of the fluctuating marketing and your current portfolio.
It is time to start rebuilding retirement for a brighter future. Contact us today at 1-866-739-7064 to schedule an appointment at a branch convenient for you.
and investment advisory services offered through Cetera Advisor
Networks, LLC, Member FINRA/SIPC - Founders Federal Credit Union,
Founders Financial Group, LLC and Founders Insurance Services are not
affiliated with Cetera. Investment Services is a department of Founders
Federal Credit Union. Registered Sales Branches are located at 607 N.
Main Street, Lancaster, SC 29720; 1290 Old Springdale Road, Rock Hill,
SC 29730; 100 Springcrest Drive, Fort Mill, SC 29715; 1307 Boiling
Springs Road, Spartanburg, SC 29303.
Not NCUA Insured - No Credit Union Guarantee - May Lose Value - Not Deposits - Not Insured by any Federal Government Agency.
This article was written by Derek Hawk with Founders Investment Services. It was published in Founders Springtimers Newsletter (June 2013).