PDF How Do I Maximize Retirement Income From My Portfolio?

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They end up making a rush decision, which is never a good idea. Making thoughtful, well-informed investment decisions takes time. While you are educating yourself or interviewing advisors it is perfectly okay to park your money somewhere safe.

10 Proven Ways to Boost Your Retirement Income

No reputable professional is going to pressure you into making a quick investment decision. The majority of closed-end funds are designed to produce monthly or quarterly income. This income can come from interest, dividends, covered calls, or in some cases from a return of principal. Be sure to do your research before buying. Some closed-end funds use leverage—meaning they borrow against the securities in the fund to buy more income producing securities—and are thus able to pay a higher yield.

Leverage means additional risk. Expect the principal value of all closed end funds to be quite volatile. Experienced investors may find closed end funds to be an appropriate investment for a portion of their retirement money. Less experienced investors ought to avoid them or own them by using a portfolio manager who specializes in closed-end funds. Dividends can provide a steady source of retirement income that may rise each year if companies increase their dividend payouts—but in bad times, dividends can also be reduced, or stopped altogether. For this reason, it may be most tax-efficient to hold funds or stocks which produce qualified dividends within non-retirement accounts meaning not inside of an IRA, Roth IRA, k , etc.

Be cautious of dividend paying stocks or fund with yields that are quite higher than what appears to be the average rate. High yields are always accompanied by additional risks. If something is paying a significantly higher yield, it is doing so to compensate you for taking on additional risk.

A team of professionals manages the property, collect rent, pay expenses, collect a management fee for doing so, and distribute the remaining income to you, the investor.


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There are non-publicly traded REITs, typically sold by a broker or registered representative who receives a commission, as well as publicly traded REITs which trade on a stock exchange and can be bought by anyone with a brokerage account. When used as part of a diversified portfolio, REITs can be an appropriate retirement investment. Due to the tax characteristics of the income REITs generate, it may be best to hold this type of investment inside a tax-deferred retirement account such as an IRA.

If you've made it to the end of this list, congratulations! Investments are best chosen to work together—not as individual solutions. All 10 options presented can be mixed and matched and used as part of a plan. The Balance uses cookies to provide you with a great user experience. By using The Balance, you accept our. Achieving Your Dream Retirement. Personal Finance Retirement Planning. Find an advisor Get a quote Support. You are on the Sun Life Financial Canada website. Language selection is English. Expand or collapse region and language section. Search Expand or collapse search.

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Navigation menu. Sign in. Saving for retirement. March 25, Sorry, not quite. Think about your retirement income options I asked award-winning Sun Life Financial advisor Brian Burlacoff for a simpler way to approach the decision about which income sources to start, when. Identifying your sources of retirement income Tapping your retirement savings: Where do you start? You are driving to California.

By focusing on investing, you are looking for a faster car. Good blog you have here.. I really appreciate people like you!

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Three Steps to Safely Maximize Your Portfolio Income

Take care!! I will acknowledge many of these suggestions may have statistical merit. However, one suggestion is ridiculous… Suggesting that retired individuals NOT hold onto a pot of cash is a triumph of esoteric logic over common sense.

Cash provides psychological peace of mind. Cash reduces the urge to panic sell during a downturn. Cash provides flexibility for exigent circumstances. Cash provides time to exhale, while deciding what to do in a down market. Thanks but no thanks. Two years of cash is good for the soul of a retired person. That is a very good tip particularly to those new to the blogosphere. Short but very precise information… Appreciate your sharing this one. A must read article!

I agree with you.

10 tips to help you boost your retirement savings – Whatever your age

There might be a behavioural advantage of holding cash for some people. If it prevents you from selling equities at the bottom of the market, then there is an advantage. I have had a few emails from people that also said they agree with my article completely, except for the cash holdings. There are a variety of defensive measures that could have the same effect. All will probably reduce your returns over time, as well. If I am not confident they will stay invested, I go with a more conservative portfolio.

My point is that many financial advisors think there is a technical advantage to holding cash. There is not. I was struck by how pronounced the results were. Hi, Thanks for sharing about these today I learned some new knowledge from this post. Keep sharing such as like this informative article. These Unique ideas helped me a lot. I and my friends are reading your article regularly. Please keep writing. It is inspire us. Hello Ed, thanks for this article. I guess that you have done this research with US data for going back years.

Have you by any chance have done some research with our Canadian return? If you would done that, I would be very grateful. I applaud your effort to try to figure other markets or currencies.

What should my retirement plan look like?

Finding the data is a major challenge. Your figures do not look accurate, though. It was higher and lower for a while. Hi Ed!


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Really interesting and useful read. Was wondering how I can come up with my own version of your table and charts to reflect sustainable retirement income withdrawals for my country? What info would I need and how would I input it into Excel to generate the same? All you really need is a long history of actual returns on stocks, bonds, cash and inflation. I received a lot of help from the FIRE community with this.

You could just refer to my research.

Reader Portfolio

Your email address will not be published. I studied years of investment history. The conclusions are surprising: Most of the advice seniors are given is not supported by history.

I found what really works to give you the maximum reliable retirement income — both how to setup your portfolio and manage your income. A few bad years shortly after you retire can sink your retirement. I studied years of history 1 to see what would have happened if you had retired each year using different withdrawal amounts, various strategies, and varying amounts of stocks, bonds and cash to answer 3 questions: How much retirement income can you safely withdraw from your investments?

How should you invest to minimize your risk of running out of money? What strategies can reliably give you the highest retirement income? That means you retire at 65 and have your money last to age The chart shows the odds of success at each allocation of stocks and bonds assuming different withdrawal rates plus inflation for 30 years. Results of the study The conclusions are very useful — and surprising.