The average interest rate on a six-month certificate of deposit was 9.1% in 1970 and 13.4% in 1980. Back then, of course, inflation was higher but so were wages on a relative basis… and those higher interest rates, plus the prevalence of pensions, allowed many retirees to generate livable income streams without invading their principal or taking risks in stocks. But two decades worth of declining interest rates have dragged yields down to a point where the idea of retiring on CDs and bonds is not feasible. Morningstar financial editor Christine Benz believes the most effective way to beat low-interest rates is with bucket planning. Today, we’ll compare her idea for bucketing to the IQ Wealth System .You don’t want to miss today’s show, MASTERING MONEY is on the air!
Mastering Money 9/13/22
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We compare up to 1200+ annuities to determine the right fit for our clients’ income, preservation, and diversification goals.
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Bucket Planning
Rather than a tired and old-fashioned “pie chart” approach to retirement planning, we enlist the use of Bucket Planning to better secure our clients’ future.
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About IQ Wealth®
At IQ Wealth, we believe smarter planning is the key to a more trouble-free retirement. Our unique process, Smarter Bucketing™ helps our clients simplify and clarify their finances. Bucket planning is a common-sense system of allocating money according to its purpose. When each dollar in your portfolio has a job to do—and a timeline for getting it done—your financial plan is more clear and realistic.
Today’s crazy markets are leaving many folks wondering where and how to allocate their money. Rather than placing faith in the whims of the market, the IQ Wealth approach is clearly defined and systematic. Our fee-only approach to equity management means that when YOU do better, we do better. Your best interests always come first at IQ Wealth–no exceptions, no excuses. Learn how our systematic approach to high quality dividend growth and technology stocks alongside guaranteed fixed income solutions may contribute to your future success. It's opportunity time. Let’s get to work!
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