Whether you have a substantial retirement fund, or are just getting started in today’s economy, there are some real challenges that are making it difficult to reach your goals. We’re still feeling the impact of the financial crisis and its fallout. There’s ongoing market volatility that leads to new risks. And, to add even more pressure, we have historically low interest rates. That can mean a pretty difficult picture when it comes to your real rate of return.
When planning for retirement, most believe there are only two investment options available: high risk and possible returns with stock market investments, or low returns offered with CDs and Money Markets. However, there are investment alternatives that can provide a steady and protected return on investment. Your Credit Union is hosting the financial education series, Return to Conservative Investing. The seminar will cover the following:
1. Current “headwinds” when saving
2. Basic financial planning concepts
3. Bucket strategy planning tool
4. CDs vs. annuities for conservative investing
5. Benefits of fixed, index and immediate annuities
6. Retirement income planning
We’ll help you consider your goals, and review your options for conservative investing. And together, we’ll evaluate the role these alternative investment options can play to meet your financial needs. Seminar dates and times will be announced soon. Be on the look out for seminar details at a branch near you or on our website.
For more information on this and other financial topics or for a complimentary financial consultation contact Mike Lewallen at 205.226.6866.
Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC. Not NCUA/ NCUSIF/ FDIC insured. May Lose Value. No Financial Institution Guarantee. Not a deposit of any financial institution.