If you own a disproportionate amount of cash or bonds in your portfolio, you can be broadly classified as a conservative investor. With today's low-interest rates, being conservative is a tough investment row to hoe. Starting yields have been shown to explain 90%+ of returns realized from high-quality bonds. Ergo low-interest rates equal low returns. So what can you do? 

0:58 – Catching up with Kevin

3:53 – “Conservative” investor in today’s world

9:16 – Getting a plan and risk

11:54 – Building a bond ladder

13:43 – Consider annuities  

18:04 – Social Security deferring

19:03 – Don’t simply reach for a yield

Annuity breakdown: 

https://www.truewealthdesign.com/episode-12-behind-the-curtain-of-annuities-and-free-steak-dinners/

https://www.truewealthdesign.com/episode-13-beating-up-on-variable-annuities/

Things to consider before years end:

Ep 62: Pension Lump Sums: 2021 May Be The Best Year Ever - True Wealth Design

Ep 31: Details In A Tax-Smart Retirement Distribution Plan - True Wealth Design

Ep 59: Retiree Health Insurance Part 2: Pre-Medicare - True Wealth Design

How to Get A $16,168 Tax Credit On Obamacare Even If You Are Affluent - True Wealth Design

Want a copy of True Wealth’s free report Plan Smarter for a Lower-Tax Retirement? Drop us a line and we’ll be sure to get it right out.