Take Some Of Your Equity And Try Something Exciting

Don't get too excited. I am not suggesting that you become careless in your investing. I think you should take a small allotment of your retirement investing capital and consider alternative ways to invest. After all, didn't you lose a great allotment of your equity already?

Consider taking five to ten percent of your investing equity and try something different. If you find that it works, you will be in much better condition. If it doesn't, you will be a little disheartened.

Why do something different? If you are over fifty years of age, you have been notified to adjust your portfolio and your savings rate for the reason that retirement is not too many years in the future. Some of the choices you made when you were younger just would be too risky now.


Calculate your retirement income needs

Unfortunately, the vast majority of investors in this age range, and older, don't have adequate capital harvested to finance their cash requirements during retirement. Here is a retirement calculator.Don't take my word for it. Take a look at your cash needs at retirement for yourself. You had no idea it would take that much to retire, did you?

Re-balance your investment portfolio

Current instruction is to re-balance your portfolio away from stocks and more in the direction of the less risky bonds as you start nearing retirement. Bonds will also supply you with current income in retirement.

In any event, eliminating stocks is irresponsible because of inflation. Inflation diminishes the dollar over time, as I am sure you know. Currently, we are experiencing astounding inflation in the commodities markets. The main stream media doesn't talk about inflation, but if you follow the market, you know. Your investments must grow at least as fast as inflation just to remain even. Bonds will not give you the appreciation that you need to beat inflation.


So, what is the average investor to do?

Take a portion of you investment portfolio and invest it using a market timer. How much of your portfolio? Ask your financial adviser to help you make this determination. A good market timing system will reduce your emotional misreads of the market. Take a look at the timer's actual performance reports and trade with one that has a good performance record.


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It sounds too good and simple to be true, but it is real. You can make money in the stock market if you exercise a stock market timing and trading system that uses the above mentioned rules. Take a look at our actual trading reports using the SPXTimer with its built in money-management system. Visit SPXTimer.com