Think $1M is Enough for Retirement? Think Again.

Remember when $1 million was a target goal on which to retire? Today, even that may not enough – especially for Baby Boomers getting ready to retire – and the situation is even worse for Gen Xers and Millennials.

The amount you’ll need in retirement depends on a number of factors such as:

  • How long you live
  • Where you live
  • Inflation rates
  • Your lifestyle

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Outlook 2018: Return of the Business Cycle

The LPL Research team proudly presents Outlook 2018: Return of the Business Cycle, highlighting the opportunities and potential challenges that may lie ahead for market participants as we get back to the traditional drivers that we’d expect to push the economy and markets forward. Instead of relying on central bank intervention and accommodative monetary policy, we’re turning to some new lead characters to take charge, namely fiscal policy and better business fundamentals. The supporting roles of this new environment will also be key to sustaining economic growth and delivering stock gains.

Are You Fiscally Fit for 2018?

Are you ready to get “fiscally fit” for 2018? We want to help you work toward making this a successful and prosperous year, so we updated our checklist with pointers for getting a head start on the new year.

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5 Tips to Help You Pursue Growth of Your Retirement Funds

How can you pursue growth of your retirement funds? We have five tips on how a dividend growth strategy that focuses on “blue chip” companies with a history of paying dividends may offer benefits when compared to a traditional investment portfolio.

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2017 In Review

At the end of every year I enjoy taking a look back. As you probably know, I’m a big believer in perspective and investing for the long term. And though our ability to look forward in time is still a work in progress, our ability to look back and gain some perspective is always valuable. So as we wrap up 2017, I want to take a look back at some of the major events that defined the year.

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How Dividend-Paying Stocks Are Like Tenants

Real estate investors ask, “How much income can this building produce?” In our opinion, stock market investors should too.

In real estate, people tend to invest for rental income today and the possibility for more an increased price tomorrow. But in the stock market, I’ve found that many investors focus on price and ignore the long-term potential of dividends. They’re taught to buy low and sell high—and they forget about the income opportunity between those two points. They may believe the price will go higher, or that maybe the company is on the cutting edge of some technology or breakthrough. So they wait, and hope to sell the stock for a profit later on. Some call this a “buy and hope” strategy.

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Living to 85? Will Your Money Keep Up?

Growing Old Will Your Money Keep Up?

Did you know there’s an 80% chance that a 60-year-old couple will have at least one spouse reach the age of 90?

And about 1-in-10 adults will live past age 95, according to the Social Security Administration. That’s a problem for most investors. Few retirement plans account for such a long period (sometimes more than 30 years!) of time.

So the typical question becomes: what’s going to last longer, you or your money?

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Market Up or Down: Your Income Should Not Change

Your Income Should Not Depend on Market Whims

If the market dropped 10% during your first year of retirement, how would that affect your income? What effect would a 5-year bear market have on your plans? These are the questions we encounter time after time. Investors want to understand how to protect their retirement from the ever volatile swings of a volatile market, and for good reason.

But what if your retirement income wasn’t based on whether the market was up, down, or sideways? And better still, what if that income continued to grow over time at a rate that exceeded inflation?

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Joy and the Successful Investor: The Upward Spiral

Joy. A concept very hard to define but easy to recognize. You can’t always put your finger on it but you know it when you see it and it’s abundantly clear when you feel it. Often, too, it is unexpected. Like the other day when my son learned how to ride his bike. I watched him smile from ear to ear as he mastered balancing, and then heard him laugh hysterically as he pumped his little legs to sail through the school yard sprinklers. That was unexpected joy and it swelled inside my chest.

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Feed Your Focus. Starve Your Distractions

As investors there are thousands of things to distract us from our goals and the plans we create in an effort to accomplish them.  Daily living, marketing, and the widespread adoption of mobile devices and social media have made it increasingly difficult to remain focused.  Often, it is difficult to even know where to focus, much less maintain it over it time.  But I’ve come up with a little reminder that I like to review from time to time, and I want to share it with you.

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