Stephen Bach photo
7:12 Financial logo

Stephen C. Bach CFP®

Financial Advisor

 

7:12 Financial LLC

309 Henry Lane

Wallingford, PA 19086

 

610-892-1718 (Phone/Fax/Text)

 

712financial@lincolninvestment.com

 

www.712financial.com

September/October 2024

Investing for Retirees

Portrait of elderly couple relaxing at nature. Senior woman and old man sitting back to back on the pier at lakeside while making self portrait with digital tablet.

Retirement is a time to kick back and enjoy doing all the things you didn’t have enough time for when you were working. What retirement isn’t, though, is a time to forget about investing. Continuing to invest throughout your retirement years can help protect your nest egg from the effects of inflation, rising healthcare costs and other threats to your financial well-being.


No Crystal Ball
No one, not even the experts, can predict future market conditions with any certainty. World events and changes in the U.S. economy can cause stock values to fluctuate rapidly over a short period of time. Since market volatility can wreak havoc with your portfolio, spreading your investments across a broad range of securities — diversification — can help manage risk and minimize losses.*


An Honest Assessment
The amount of risk you take with your investments depends on one thing: you. So, it’s important to know your risk tolerance. Stocks present the most risk but offer the greatest potential for rewards. However, what if you’re a conservative investor and the idea of taking risk keeps you up at night?


Consider U.S. Treasury Securities
U.S. Treasury Securities are low-risk investments that provide income and, in some cases, a hedge against inflation. There are several options.


Treasury bills offer a good short-term parking spot for cash. They typically mature from four weeks to one year after they’re issued. Minimum purchase is $100. Treasury bills are sold at a discount, and investors receive their face value at maturity.


Treasury notes mature in two-to-10 years and pay interest every six months.


Treasury Inflation-protected Securities (TIPS) mature in five, 10 or 30 years and make regular interest payments. Investors have their principal returned, adjusted for inflation, at maturity.


Create a Strategy
Investing as a retiree can be part of a well-crafted strategy, based on your retirement goals and risk tolerance, that you and your financial professional work out together.


*Diversification cannot eliminate the risk of investment losses. Past performance won’t guarantee future results. An investment in stocks or mutual funds can result in a loss of principal.


SUBSCRIBE

Enter your Name and Email address to get
the newsletter delivered to your inbox.

Please include name of person that directed you to my online newsletter so I can thank them personally.


CONTACT US

Enter your Name, Email Address and a short message. We'll respond to you as soon as possible.

Advisory Services offered through Capital Analysts, or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer and Member FINRA/SIPC. www.lincolninvestment.com
7:12 Financial LLC and the above firms are independent and non-affiliated. Lincoln Investment is the provider of 403(b)/457 plans sponsored by employers and your advisor represents Lincoln Investment when offering these plans. 7:12 Financial LLC and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.