In the year you retire, you need to make sure that you are well versed in the world of short-term investments. So in this episode, we’ll explore the short-term investment options that you should consider adding to your retirement planning arsenal. We’ll guide you through the financial thrill ride of different bond types and the potential benefits that may help boost your earnings. We’ll also discuss FDIC insurance and the pros and cons of brokered CDs. And we discuss the tax implications and various levels of investment security.
In this episode, you will be able to:
The key moments in this episode are:
00:00:42 - Introduction
00:01:00 - Importance of Short Term Savings
00:03:41 - Options for Short Term Cash
00:05:03 - Bank Options and FDIC Insurance
00:07:36 - Credit Unions and FDIC Insurance
00:14:20 - What is a bond?
00:15:46 - Maturity and Duration
00:16:54 - Zero Coupon Bonds
00:18:29 - US Government Bonds
00:21:02 - Mutual Funds and ETFs
00:28:28 - Closures and Federal Reserve Intervention
00:29:47 - FDIC Insurance Limit
00:31:01 - Selecting Short-Term Investment Options
00:34:02 - Emergency Money and Guidelines
00:35:32 - Retirement Income and Expenses
00:42:37 - Building a Bond ladder
00:43:35 - Shifting Bond Ladder
00:44:13 - Gratitude in Retirement
00:44:45 - Technology and Family
00:45:38 - Appreciating the Seasons
Disclosure: The views expressed in this podcast are not necessarily the opinions of Phase 3 Advisory Services and should not be construed directly or indirectly as an offer to buy or sell any securities or services mentioned herein. Unless otherwise specified, show guests are not securities licensed or affiliated with Phase 3 Advisory Services or Osaic Wealth.
Investing is subject to risks, including loss of principal invested. Past performance is not a guarantee of future results. No strategy can assure profit nor protect against loss. Please note that individual situations can vary. Therefore, the information should only be relied upon when coordinated with individual professional advice.
Securities offered through Osaic Wealth, Inc. member FINRA/SIPC. Additional investment. and insurance advisory services offered through Phase 3 Advisory Services Limited, a Registered Investment Advisor.
Osaic Wealth is separately owned and other entities and or marketing names, products or services referenced here are independent of Osaic Wealth. Phase 3 Advisory Services is located at 1110 West Lake Cook Road, Suite 265 in Buffalo Grove, Illinois 60089. Our phone number is 847-520-5545. For additional information, visit our website at phase3advisory.com.
