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Explain how the potential investments of a retiree differs from a young person.

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Explain how the potential investments of a retiree differs from a young person.

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“As people age, their priorities change, and so should their investment strategy” (Financial Responsibility & Decision Making, Unit 6.2, Page 10).

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Goals May Include:
- Getting out of debt.
- Saving for your children’s futures.
- Buying a home and saving for a down payment.
- Start saving for retirement.

Good Investment Goals:
- Put approximately 10% of income towards retirement.
- Think about increasing it as you get a raise.
- Take advantage of employer-sponsored 401 (k) or start an IRA.

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“These are peak earning years, when saving for your children’s college education becomes a higher priority, you may want to buy a bigger house, and/or you should ramp up retirement savings” (Financial Responsibility & Decision Making, Unit 6.2, Page 11).
You may be earning more or benefiting from bonuses or inheritances that can boost the size of your investments.

Good Investment Goals:
- Save between 10 to 20% of your income for retirement.
- Increase that amount steadily over the years.
- Start investing outside of your employer’s plan.
- Introduce new investment opportunities like a bond, stocks or bond funds.

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“When you’re less than 10 years away from retiring, protecting your assets become more important than continuing to pursue growth” (Financial Responsibility & Decision Making, Unit 6.2, Page 11).

Good Investment Goals:
- Gradually shift more of your assets into fixed-income securities.
- Balancing income, mutual and bond funds, and annuities all become an important part of taking the next step towards retirement.

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- Be knowledgeable about taking money from your retirement accounts and the impact it’ll have on your taxes.
- Re-evaluate all combined income and investments to see if it would be beneficial to reallocate any investments.

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Discuss your investment plans or the plans of someone you know personally.

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Discuss your investment plans or the plans of someone you know personally.

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My grandma is actually a retired banker. This is a very familiar unit for me. After my grandpa passed almost two years ago, my grandma had to move their IRA’s and annuities since they were in both their names. She cashed some things in and moved others around. She actually had someone come to her condo and talk to her, my daddy and aunt about the best options for her investments. She wants to make sure that she’s taken care of for the time she has left as well as taking care of the family after she’s gone.