Retirement Investing

Bob Carlson offers his expert opinion on where to invest your money so that you can get through retirement safely and securely

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Bob’s Journal for 1/24/19

January 24, 2019

Is all the bad news reflected in the markets, or are the markets still too optimistic? It is early in earnings season, and we’ve received a mixed message so far. Last Tuesday, the stock indexes had nice rebounds following positive earnings reports from IBM, Procter & Gamble and United Technologies. The gains, however, were mostly […]

How to Invest Your Cash Today

January 23, 2019

For the first time in years, investors have some reasonable choices for investing their cash. The Federal Reserve’s aggressive monetary policies following the financial crisis kept interest rates on traditional cash investments near zero. Investors either had to accept these low rates or take more risk to earn higher yields on their cash. The situation […]

6 Ways You Can End the Confusion, Inconvenience of RMDs

January 23, 2019

IRA required minimum distributions (RMDs) mess up the financial plans of many IRA owners and create a new set of problems for them. But you can overcome these problems. While the tax code requires IRA owners to begin minimum annual distributions after age 70½, most IRA owners don’t need the money to pay their living […]

Bob’s Journal Update for 1/17

January 17, 2019

We’ll soon know if the recent rally in the markets will continue, because fourth-quarter earnings reports are being rolled out. Most markets had a dismal fourth quarter of 2018. But markets turned a corner after Christmas and the subsequent rallies are impressive. While the S&P 500 still is down 4.28% for the last three months, […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

How to Generate Guaranteed Lifetime Income

January 11, 2019

Lifetime income security is what everyone wants in retirement, but it is increasingly a challenge to achieve. Low interest rates and investment returns, longer life spans, inflation, long-term care expense, medical expenses, higher taxes and more are major obstacles to achieving financial security in retirement. Everyone wants what I call the Retirement Paycheck. You want […]

Bob’s Journal 12/20/2018

January 10, 2019

Last week’s Employment Situation reports were extremely strong, but don’t use them as good indicators of the strength of the economy or its trend. The nonfarm payrolls report showed that 312,000 new jobs were created, and revisions added a total of 58,000 jobs for the previous two months. The number of new jobs was well […]

Bob’s Journal for 1/3/2019

January 3, 2019

While Treasury bonds outperformed stocks in 2018, what happened within the bond markets was more important to investors. Stocks outperform bonds over the long term, but bonds have better years from time to time. Treasury bonds have outperformed the major stock indexes for only a few calendar years since the end of the financial crisis. […]

The 2018 Market and Economic Review

December 27, 2018

Almost everyone’s 2018 predictions were wrong. But that’s almost always the case. We had another year of unexpected and startling changes in the economy and markets. Trends couldn’t have been much better than they were at the end of 2017. The economy was surging across the board, and U.S. stock indexes were moving steadily higher. […]

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