5 Obstacles to Delaying Retirement

One of the most glaring holes in our education system is retirement investing. Much is said about day trading and the high wire acts of Hedge Funds.

Retirement investing is a long term proposition and is similar to looking after your health – do what is sensible and have occasional checkups that become more frequent as you age.

There are steps you can take that might improve the returns from your investments and allow you not to have to work longer.

http://www.myplaniq.com/LTISystem/f401k_view.action?ID=5,464 this is about the simplest type of portfolio you can get – six ETFs – index funds – no fancy management – one fund for each of six different classes. Over a five year period, buy and hold has returned 7% and a more active momentum strategy has returned 13%.

This is a simple, easy to understand fund and investment approach that can be used as a benchmark for what others are telling you.

The first thing it to check that you are getting the most from your 401K investments

Disclaimer

The results were obtained using historical simulation and so are hypothetical

Historical returns do not guarantee future returns

MyPlanIQ has no relationship or affiliation with any of the funds or their providers

Simon Napper of CA 12:51PM March 07, 2011