Stephen Dybwad

Stephen Dybwad

An independent financial advisor who believes the true art of financial guidance is not so much in the accumulation of assets, but is in the preservation and distribution of those assets

Stephen Dybwad

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Cincinnati, Ohio 00000

stephen.dybwad@retirevillage.com (800) 959-3526
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Retirement planning covers a lot of territory and can be confusing for those just starting the process. Your retirement should be a time to relax and enjoy life, but intelligent planning is required to make this dream a reality. The following information, including investment strategies, and common investment mistakes to avoid, can help.


Five Investment Strategies For Retirement Planning


Once you’ve taken the time to divide up your various income needs, the next step in effective retirement planning is to build an investment portfolio tailored to your financial goals and needs and consider them. The following five investment strategies can help you get started.

Growth Investments

Growth investments often have greater returns than fixed investments, but this return usually comes at a higher risk. These types of investments help you maintain accumulation in your potential, allowing your assets to outpace inflation and last longer. Some examples of investments in this group are stocks, equity mutual funds, hedge funds, and exchange-traded funds.


Fixed Investments

Fixed investments and products generally provide fixed, stable returns, although they are still risky. These types of investments are used most commonly by conservative investors and those seeking wealth transfers. A solid example would be an insurance company annuity.


Insured Investments

Insured investments typically have either a fixed or growth orientation, and their primary characteristic is an insurance component. Because of this, and because insured investments are also generally tax-advantaged, they typically cost more than other types. Examples include fixed and variable annuities, life insurance, and long-term care insurance.


Liquid Investments

These products provide quick and easy access to your assets and generally offer lower risk and returns. Examples include certificates of deposit (CDs), treasury bills, and money market funds.


Miscellaneous Investments

These products vary widely and can provide income, growth potential, or wealth transfer potential. Examples Cryptocurrency, real estate, gold, and other precious minerals.

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