Investments

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Preparing for Retirement

Preparing for Retirement

To help you have the income you need in retirement, it's essential to have a plan that identifies appropriate investment strategies for your age, risk tolerance and circumstances. Even if you aren't nearing retirement, it's never too early to ask: Are you invested in the right mix of stocks, bonds, alternative investments, and liquid assets to build a comfortable income stream? Should you be purchasing long-term care insurance? Have you maxed out your tax-deductible contributions to your retirement plan at work? If so, what else can you do now to help you achieve your retirement goals later in life?

Once you have a strategy in place, you should review your retirement investments every year to make sure that they are performing as expected and that they still align with your needs. Let a Merrill Lynch Financial Advisor offer advice and solutions, and work with you to prepare you for your post-career life. You may want to start by asking your Financial Advisor about the Retirement Income Service, which can help you plan for the income you need, no matter how ambitious your goals may be.

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The Guthries: Continuing to Invest in the Markets - and Themselves

Transcript of Video

Michael Guthrie, 58, had just started to feel comfortable working occasional 20-hour weeks and enjoying extended vacations away from his company, Detroit Chassis LLC, when the distressing sales reports began. In early 2007, orders for the Class A motor-home chassis his company assembles for Ford Motor Co. started a rapid decline that accelerated the following year, when the combination of high gas prices and tight consumer credit further slammed the recreational-vehicle market. VIEW VIDEO

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