Having Enough for the Long Haul

1
Having Enough for the Long Haul

• Presented by Kris Dwyer for
• (Fabulous) Women Alone Together
• (Beautiful) Agnes Scott College
• (Sunny) October 22, 2005

2
Stages of Money

• Our Early Years
• Our 20s/30s
• Our 40s/50s/60s
• Our 60s/70s/80s/90s/100s (!)

3
Step 1 --- Ask Yourself

• How much income do I need from my assets?
• How much income can I safely take out?

   
4
Step 2 Learn

• What investments are available to help with
  preservation of capital?

5
Investment 1 - Bonds

• What is a bond?
• Are bonds safe?
• Many different flavors of bonds

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Bond Laddering

• Think diversification
• Can also ladder CDs

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Investment 2 --- Fixed Annuities

• Very conservative
• Usually irreversible

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Investment 3 --- Variable Annuities

• Beware of costs
• Buy the guarantee
• Mix with other investments

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Step 3 --- Put It All Together

• A good start to having enough for the long haul!