{"id":3700,"date":"2010-12-20T00:55:28","date_gmt":"2010-12-20T06:55:28","guid":{"rendered":"http:\/\/ishmaels.net\/blog\/?p=3700"},"modified":"2010-12-20T00:55:28","modified_gmt":"2010-12-20T06:55:28","slug":"what-you-need-to-know-about-retirement-investing","status":"publish","type":"post","link":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/","title":{"rendered":"What You Need to Know About Retirement Investing"},"content":{"rendered":"

Mostly this is a good set<\/strong> of points and definitions – things we need<\/strong> to learn about in \u00a0order to be secure in \u00a0our retirement investing.<\/p>\n

It is not all there is as some others have put it, we need<\/strong> to study, and learn and start that process very early so you at least understand some of the advice you get at times for what it is and not let bad advice lead you in the wrong direction for your goals. – WD0AJG<\/p>\n

Traditional Investments Used for Retirement Investing<\/strong><\/p>\n

Saving for retirement is similar to saving for other things in that you have similar investment options. Here is a run-down of the traditional investments and how they can work as retirement investments.<\/p>\n

Stocks<\/strong><\/p>\n

Stocks provide the highest potential growth of all retirement investments but also come with the highest potential risk<\/strong>. A higher allocation of stocks is best early in your career when there is plenty of time<\/strong> before retirement to deal with any downturns in the market<\/strong>.<\/p>\n

Bonds<\/strong><\/p>\n

As a retirement investment, bonds provide a lower growth rate than stocks but are much less risky in an economic downturn. It is a good idea when saving for retirement, to increase your allocation into bonds while decrease retirement investment allocation of stocks.<\/p>\n

Mutual Funds<\/strong><\/p>\n

Mutual funds encompass a wide range of different types of funds available. This can include anything from an actively managed fund to an indexed fund. Actively managed funds will typically invest in a mixture of both bonds and stocks in an attempt to beat the market<\/strong>. Index funds are cheaper because they are not actively managed and attempt to hold stocks or bonds as a mirror of the market<\/strong> and tend to perform close to the performance of the market<\/strong>.<\/p>\n

As a retirement investment, mutual funds can be a good way to diversity your portfolio without the micromanagement that may be involved. Mutual fund allocation decisions should be made based on what types of stocks or bonds they invest in along with what type of asset allocation there is within the mutual fund itself.<\/p>\n

Retirement Investing with Retirement Accounts<\/strong><\/p>\n

When saving for retirement, you have a few tools that are not available for other type of investments. These retirement accounts are built specifically to support your retirement investing. Here is a quick rundown of the different types of retirement investment accounts available.<\/p>\n

401k<\/strong><\/p>\n

The 401k is an employer sponsored retirement investing account. Like all three of these investments, it is tax-deferred meaning that you are not taxed on the funds you place into these accounts until you withdraw them. 401k is the most popular retirement investment account and should be exhausted first because of the potential for employer deposit matches or contributions. There is a limit of $16,500 a year that can be put into your 401k.<\/p>\n

IRA<\/strong><\/p>\n

An Individual Retirement<\/strong> Account (IRA) is similar to a 401k with the tax deferral feature. It only has a $5,000 yearly contribution limit and there is no chance for employer contributions. Once your 401k has been fully contributed to, you should put remaining money into your IRA until the limit is reached.<\/p>\n

Annuities<\/strong><\/p>\n

Retirement<\/strong> Annuities are offered by life insurance companies and have very high fees of around 3% a year. These instruments should only be used for retirement investing if the specific features offered are worth the 3% fee. These retirement investments are rather heavily pushed by financial<\/strong> salespeople because of the very high commissions they provide. Make sure you are informed before diving headlong into something that could very well be a poor retirement investment choice for you.<\/p>\n

To read more about these different retirement investments, see our article on Retirement<\/strong> Accounts.<\/p>\n

Asset Allocation Strategies<\/strong><\/p>\n

Asset allocation for your retirement investing should depend primarily on age and distance from retirement. It is always a good idea to have a mixture of different retirement investments rather than focusing exclusively on one so you can diversify your portfolio and control for risk<\/strong> more effectively.<\/p>\n

There are three phases of your life you should focus on when allocating your retirement investments.<\/p>\n

Early Career<\/strong><\/p>\n

In your early career you want to build up your wealth through investments as quickly as possible. You also have a long time<\/strong> before retirement giving you ample room to regain any losses in the market<\/strong>. This is the time<\/strong> where you want to allocate the largest percentage of your retirement investments into high growth investments such as stocks. Always make<\/strong> sure to diversity and not put all of your retirement savings into just a few stocks to avoid unnecessary risk<\/strong>.<\/p>\n

Mid Career<\/strong><\/p>\n

The middle of your career is when you want to start reducing your risk<\/strong> as to not wipe out a large portion of your retirement savings when you are preparing to retire. This phase is around 7-20 years before you are preparing for retirement. The range is rather large because as with all retirement investing, it depends heavily on your circumstances and we can only give general guidelines and things to consider.<\/p>\n

At this point you want to tone down the level of allocation put into high risk<\/strong> and high growth retirement investments such as stocks. It may be tempting to keep a large portion there for the high potential growth, but if a market<\/strong> downturn similar to this recent one hits you at a bad time, you may have to spend more years working to make<\/strong> up those losses or deal with a reduced income or running out of money upon retirement.<\/p>\n

Retirement<\/strong><\/p>\n

At this point of your life, you should already have a healthy amount of retirement savings due to your smart retirement investing. The goal at this point is to protect the money you have from loss and also from inflation<\/strong>. It is not enough to just put it into a bank account because your retirement savings will be chewed up by the average inflation<\/strong> rate of 3% per year.<\/p>\n

To meet this goal you want to have a portfolio more heavily allocated to retirement investments that will hold your wealth steady. This means less in stock<\/strong> and more in bonds and indexed mutual funds.<\/p>\n

Withdrawal Strategies<\/strong><\/p>\n

Upon retirement you will have your nest egg of retirement savings, but what is the best way to make<\/strong> it last? The general rule based on studies is that withdrawing 4% of the total each year and increasing the percentage with inflation<\/strong> is likely to net about 30 years of income from your savings. We can’t predict how long we will live so this step can be very difficult because if you live longer than expected you may run out of funds.<\/p>\n

Additionally, if you are hedging against inflation<\/strong> in your account, there will still be upturns and downturns in the market<\/strong>. Not enough to wipe out your retirement savings but there will be fluctuations. To compensate, you can withdraw more of your retirement savings in boom periods and less in bust periods.<\/p>\n

Withdrawal from your retirement savings can be further supplemented by other income sources. This could include a small business run by the retiree as a hobby \/ income source. The retiree can also work a part time<\/strong> job to bring in more money to allow the retirement investments more time<\/strong> to grow.<\/p>\n

Conclusion<\/strong><\/p>\n

There are a variety of retirement investments available for the different life circumstances someone may be in. This article gives you an overview of your options and different things to consider when planning your retirement investments. It may be a good idea to hire a professional financial<\/strong> planner to help you assess which retirement investments best fit your life. Make sure this is a legitimate financial<\/strong> planner and they aren’t trying to sell you on things you don’t need<\/strong> to inflate their commission. The best protection against that is having base knowledge of the different options available yourself to avoid any major pitfalls. Saving for retirement is a very involved process and you should make<\/strong> sure you are putting in the time<\/strong> necessary to pick the best plan for your own retirement investing.<\/p>\n

You can find the original article here: Retirement<\/strong> Investing [http:\/\/www.finantage.com\/retirement-investing]<\/p>\n

Finantage<\/a> is independent of the financial<\/strong> services and banking industries. This allows us to provide honest and accurate information directly to you without forcing you to endure a sales pitch. We use this independence to give you a financial<\/strong> advantage whether you are buying your first home or you are setting up a retirement fund.<\/p>\n

Author: Edwin Ivanauskas<\/a>
\nArticle Source: EzineArticles.com<\/a>
\nTissot virtual reality<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Saving for retirement is similar to saving for other things in that you have similar investment options. Here is a run-down of the traditional investments and how they can work as retirement investments. You also need to consider how retirement specific accounts help support your retirement investing and how to deal with asset allocation and asset withdrawal strategies. <\/p>\n

“And Now the Rest of the Story – “What You Need to Know About Retirement Investing<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[19],"class_list":["post-3700","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-ishmael-bathurst-genology","odd"],"yoast_head":"\nWhat You Need to Know About Retirement Investing - And That was How it Went<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What You Need to Know About Retirement Investing - And That was How it Went\" \/>\n<meta property=\"og:description\" content=\"Saving for retirement is similar to saving for other things in that you have similar investment options. Here is a run-down of the traditional investments and how they can work as retirement investments. You also need to consider how retirement specific accounts help support your retirement investing and how to deal with asset allocation and asset withdrawal strategies. "And Now the Rest of the Story - "What You Need to Know About Retirement Investing\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/\" \/>\n<meta property=\"og:site_name\" content=\"And That was How it Went\" \/>\n<meta property=\"article:published_time\" content=\"2010-12-20T06:55:28+00:00\" \/>\n<meta name=\"author\" content=\"wd0ajg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@wd0ajg\" \/>\n<meta name=\"twitter:site\" content=\"@wd0ajg\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"wd0ajg\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/\"},\"author\":{\"name\":\"wd0ajg\",\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#\\\/schema\\\/person\\\/e09620d4264e5cd90e30305809ea2462\"},\"headline\":\"What You Need to Know About Retirement Investing\",\"datePublished\":\"2010-12-20T06:55:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/\"},\"wordCount\":1429,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#\\\/schema\\\/person\\\/e09620d4264e5cd90e30305809ea2462\"},\"keywords\":[\"Ishmael Bathurst Genology\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/\",\"url\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/\",\"name\":\"What You Need to Know About Retirement Investing - And That was How it Went\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#website\"},\"datePublished\":\"2010-12-20T06:55:28+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/2010\\\/12\\\/20\\\/what-you-need-to-know-about-retirement-investing\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What You Need to Know About Retirement Investing\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/\",\"name\":\"And That was How it Went\",\"description\":\"life, ham-radio,travel, investing, work, retirement and getting there\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#\\\/schema\\\/person\\\/e09620d4264e5cd90e30305809ea2462\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/www.ishmaels.net\\\/blog\\\/#\\\/schema\\\/person\\\/e09620d4264e5cd90e30305809ea2462\",\"name\":\"wd0ajg\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g\",\"caption\":\"wd0ajg\"},\"logo\":{\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What You Need to Know About Retirement Investing - And That was How it Went","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/","og_locale":"en_US","og_type":"article","og_title":"What You Need to Know About Retirement Investing - And That was How it Went","og_description":"Saving for retirement is similar to saving for other things in that you have similar investment options. Here is a run-down of the traditional investments and how they can work as retirement investments. You also need to consider how retirement specific accounts help support your retirement investing and how to deal with asset allocation and asset withdrawal strategies. \"And Now the Rest of the Story - \"What You Need to Know About Retirement Investing","og_url":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/","og_site_name":"And That was How it Went","article_published_time":"2010-12-20T06:55:28+00:00","author":"wd0ajg","twitter_card":"summary_large_image","twitter_creator":"@wd0ajg","twitter_site":"@wd0ajg","twitter_misc":{"Written by":"wd0ajg","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/#article","isPartOf":{"@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/"},"author":{"name":"wd0ajg","@id":"https:\/\/www.ishmaels.net\/blog\/#\/schema\/person\/e09620d4264e5cd90e30305809ea2462"},"headline":"What You Need to Know About Retirement Investing","datePublished":"2010-12-20T06:55:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/"},"wordCount":1429,"commentCount":0,"publisher":{"@id":"https:\/\/www.ishmaels.net\/blog\/#\/schema\/person\/e09620d4264e5cd90e30305809ea2462"},"keywords":["Ishmael Bathurst Genology"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/","url":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/","name":"What You Need to Know About Retirement Investing - And That was How it Went","isPartOf":{"@id":"https:\/\/www.ishmaels.net\/blog\/#website"},"datePublished":"2010-12-20T06:55:28+00:00","breadcrumb":{"@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.ishmaels.net\/blog\/2010\/12\/20\/what-you-need-to-know-about-retirement-investing\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.ishmaels.net\/blog\/"},{"@type":"ListItem","position":2,"name":"What You Need to Know About Retirement Investing"}]},{"@type":"WebSite","@id":"https:\/\/www.ishmaels.net\/blog\/#website","url":"https:\/\/www.ishmaels.net\/blog\/","name":"And That was How it Went","description":"life, ham-radio,travel, investing, work, retirement and getting there","publisher":{"@id":"https:\/\/www.ishmaels.net\/blog\/#\/schema\/person\/e09620d4264e5cd90e30305809ea2462"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.ishmaels.net\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":["Person","Organization"],"@id":"https:\/\/www.ishmaels.net\/blog\/#\/schema\/person\/e09620d4264e5cd90e30305809ea2462","name":"wd0ajg","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g","caption":"wd0ajg"},"logo":{"@id":"https:\/\/secure.gravatar.com\/avatar\/db64afcf51fce3b55d7ed73473f96d8213f4d5b7466a584423982496ed778676?s=96&d=mm&r=g"}}]}},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/parvvB-XG","jetpack-related-posts":[{"id":1633,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/08\/22\/investment-strategy\/","url_meta":{"origin":3700,"position":0},"title":"Investment Strategy","author":"wd0ajg","date":"August 22, 2010","format":false,"excerpt":"Retirement it might be right around the corner OR it may be a long way off for you - No matter how near or far it is, you have absolutely got to start saving for it now. However, in these days, saving for retirement isn't what it cut out to\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1130,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/07\/27\/new-to-investing-simple-guidelines-for-success\/","url_meta":{"origin":3700,"position":1},"title":"New to Investing? Simple Guidelines for Success","author":"wd0ajg","date":"July 27, 2010","format":false,"excerpt":"A financial adviser and friend once told me, \"It doesnt matter how good of job someone has, if they want to acquire wealth in this life, at some point they are going to have to invest in something.\" Here are a few basic ideas and tips for someone just beginning\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":5748,"url":"https:\/\/www.ishmaels.net\/blog\/2011\/04\/13\/purposeful-investing\/","url_meta":{"origin":3700,"position":2},"title":"Purposeful Investing","author":"wd0ajg","date":"April 13, 2011","format":false,"excerpt":"It would be hard to develop a strategy to pay off your debt if you had no idea how much debt you had. It?s just as difficult to develop an appropriate investing strategy if you don?t have a reason for investing. Without a purpose, it?s impossible to make decisions about\u2026","rel":"","context":"In \"BBS\"","block_context":{"text":"BBS","link":"https:\/\/www.ishmaels.net\/blog\/tag\/bbs\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2608,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/10\/13\/understanding-your-investment-style\/","url_meta":{"origin":3700,"position":3},"title":"Understanding Your Investment Style","author":"wd0ajg","date":"October 13, 2010","format":false,"excerpt":"Determining the style of investing that best fits your personality, life situation, and financial goals is the most important step toward making successful investments. However, no matter which approach to investing you take, always do your due diligence.","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":1420,"url":"https:\/\/www.ishmaels.net\/blog\/2010\/08\/19\/7-simple-tips-for-investing-success\/","url_meta":{"origin":3700,"position":4},"title":"7 Simple Tips For Investing Success","author":"wd0ajg","date":"August 19, 2010","format":false,"excerpt":"Who doesn't want investing success? With the current financial situation these days, people are beginning to look for alternatives ways to earn some extra money. A lot of those people are beginning to invest more regurlaly. For this reason I've come up with these 7 Simple tips to assist you\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":6579,"url":"https:\/\/www.ishmaels.net\/blog\/2011\/06\/14\/understanding-the-most-important-investment-concepts\/","url_meta":{"origin":3700,"position":5},"title":"Understanding The Most Important Investment Concepts","author":"wd0ajg","date":"June 14, 2011","format":false,"excerpt":"It's always good to have at least a basic foundation of fundamental investment knowledge whether you're a beginner to investing or working with a professional financial advisor. The reason is simple: You are likely to be more comfortable in investing your money if you understand the lingo and basic principles\u2026","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts\/3700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/comments?post=3700"}],"version-history":[{"count":0,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/posts\/3700\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/media?parent=3700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/categories?post=3700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ishmaels.net\/blog\/wp-json\/wp\/v2\/tags?post=3700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}