Safe Money Retirement Investments, Risk-Free Instruments For Retirees Unveiled

CSM prioritizes developing an understanding of safe money basics, covering the options available to each client based on their financial objectives and timeframe for retirement. The goal is to build a package that has no stock market risk.

More information can be found at Safe Money Basics

The program begins with an initial consultation. The team will discuss the most common safe money options – ranging from United States Treasuries to Certificates of Deposits (CDs) and fixed annuities – and each has different advantages.

CSM explains that the lack of retirement savings across the US is alarming, and signifies the need for specialized guidance in building nest eggs. Census data reveals that 50% of women and 47% of men between 55 and 66 have no retirement account balances. CSM aims to provide clear, customized roadmaps to financial security in retirement through alternative vehicles outside volatile equities markets.

One such option is fixed annuities, which offer upside potential without downside market risk. Annuities provide steady, compound growth on a tax-deferred basis, enabling assets to accumulate more quickly. CSM educates clients on annuity products optimal for their financial situations – guiding them through the process of converting a portion of portfolios to fixed annuities over time.

The team also offers education on US Treasury securities, considered one of the safest investments available. Treasury bills, notes, and bonds are backed by the federal government, making them essentially default-proof. CSM helps clients to diversify into Treasuries paying higher yields than traditional bank CDs, without sacrificing safety.

Additional details are provided at Safe Money Advice Strategies

The team notes that CDs offered through banks and credit unions can also play a key role in diversified retirement portfolios. In exchange for depositing funds for a set period of time, CDs pay guaranteed interest rates. CSM guides clients to CDs that match necessary time horizons.

A spokesperson states: “As you approach retirement, it is important to make sure that your savings are protected from stock market volatility and other possible risks. Otherwise, your financial base for income generation could be depleted. So, to have a financially secure retirement, it will typically require that you put some safe money strategies in place.”

Interested parties can learn more at Guaranteed Retirement Income

Certified Safe Money
[emailprotected]

P.O. Box 3540

comtex tracking

COMTEX_439651542/2764/2023-09-06T16:52:58

About Author

Disclaimer: The views, suggestions, and opinions expressed here are the sole responsibility of the experts. No Daily Scotland News journalist was involved in the writing and production of this article.