{"id":7315,"date":"2016-04-27T06:04:36","date_gmt":"2016-04-27T13:04:36","guid":{"rendered":"http:\/\/blog.paladinregistry.com\/?p=7315"},"modified":"2016-04-27T06:04:36","modified_gmt":"2016-04-27T13:04:36","slug":"worry-about-money-a-lot-of-energy-but-no-gains","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/investing\/worry-about-money-a-lot-of-energy-but-no-gains\/","title":{"rendered":"Worry About Money? A Lot of Energy But No Gains"},"content":{"rendered":"<p>About 43% of you worry about money. That\u2019s what the Institute of Financial Planning and National Savings and Investments found. That means that you\u2019re putting a lot of energy into something that won\u2019t earn you any <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.investor.gov\/tools\/calculators\/compound-interest-calculator\" target=\"_blank\" rel=\"nofollow\">compound interest,<\/a><\/span><\/strong> capital gains or dividends.<\/p>\n<p><strong>Breaking Free of the Worry Maze<\/strong><strong>\u00a0<\/strong><\/p>\n<p>The good news is that you can exit that worry maze. \u00a0All it takes is being willing to become \u201cstrategic\u201d in how you approach money.\u00a0 That is, you make a habit of planning your spending and investing based on your goals for your life. \u00a0None of your financial decisions will ever again be random or impulsive.<\/p>\n<p>So, what are your goals? They might range from helping finance your children\u2019s education to maintaining your current lifestyle when you retire. Over time, as you age and your circumstances change, you will keep reviewing your plan. You will continually make adjustments. \u00a0That\u2019s called \u201cdynamic planning.\u201d<\/p>\n<p>Here\u2019s a typical situation. Your children have completed college. That means you can shift more money into building wealth for retirement.<\/p>\n<ul>\n<li>How much of that incremental funding should you put in equities and how much in bonds?<\/li>\n<li>Should you be considering alternate investments such as gold and commodities?<\/li>\n<\/ul>\n<p>Those are big, complex issues. But you will be approaching them strategically. Not simply worrying about your present and future.<\/p>\n<p><strong>Dynamic Planning \u2013 Being Ready for Everything and Anything (including uncertainty)<\/strong><strong>\u00a0<\/strong><\/p>\n<p>Once you start planning, you become the Chief Financial Officer (CFO) of your life. Just like the CFOs of the companies you work for, the buck stops with you. The only difference is this: Your responsibility is only for the results your own financial decisions generate. You don\u2019t have the profitability of a whole company on your shoulders. However, to you and your family, the stakes are still very high.<\/p>\n<p>Here are the four musts of dynamic planning.<\/p>\n<ol>\n<li><strong><em>Become very smart about your little piece of the world of finance<\/em><\/strong><em>\u00a0<\/em><\/li>\n<\/ol>\n<p>You work hard for your money.\u00a0 Therefore, you want to protect what you have. Those layers of protection are created through how you manage risk. That\u2019s job #1\u00a0for you as CFO of your life. To do it, you have to become very smart about what impacts your money. Both positively and negatively. On that basis you make your financial decisions for the short term and the longer term.<\/p>\n<p>For example, in this <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.investopedia.com\/terms\/l\/low-interest-rate-environment.asp\" target=\"_blank\" rel=\"nofollow\">low-interest rate environment<\/a><\/span><\/strong>, the time might seem right to apply for a mortgage to purchase a house. But before you do that you should consider the potential for that asset to appreciate, the fixed and unexpected expenses, and what potentially better investment options there might be. You should also factor in that for the first time in 6\u00a0years, reports MPF Research, the rental market is cooling. Demand is declining, which reduces landlords\u2019 ability to raise rents as much as they had in the past.<\/p>\n<ul>\n<li>Would an investment in equities have a better potential payoff?<\/li>\n<li>How about stocks which provide reliable dividends?<\/li>\n<\/ul>\n<p>Money from dividends could be coming in, not going out in house repairs during your retirement. Also, ask yourself: What unnecessary risks are you taking on by buying a house at the current time?<\/p>\n<ol start=\"2\">\n<li><strong><em>During transitions, take advantage of compound interest<\/em><\/strong><em>\u00a0<\/em><\/li>\n<\/ol>\n<p>This isn\u2019t your father\u2019s career \u2013 or life. There are so many more transitions. \u00a0For example, you may be waiting to find out if you will be promoted or laid off. That will reconfigure your income \u2013 upwards or downwards. Until that happens you\u2019re on-hold. While there, you can still make your money work for you and yet keep it liquid. You do that through on-demand accounts, such as money market ones, which provide what is called \u201ccompound interest.\u201d<\/p>\n<p>Essentially compound interest operates just like its name indicates. It keeps compounding or increasing what you earn on the account based on what you have already earned.\u00a0 For instance, say, your deposit in a money market account yields $25 in interest this quarter. Next quarter\u2019s interest will be calculated based on not only the principal but also that additional $25. When interest rates increase, the yield just from this compounding tactic could be significant. To keep some funds liquid, you might decide to have a percentage of your funds continually in on-demand accounts which provide compounding.<\/p>\n<ol start=\"3\">\n<li><strong><em>Participate in tax-deferred investment plans<\/em><\/strong><em>\u00a0<\/em><\/li>\n<\/ol>\n<p>When it comes to building wealth to fund your retirement, the government has been on your side.\u00a0 Among the financial vehicles for acquiring assets on a tax-deferred basis are the <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.investopedia.com\/terms\/d\/definedcontributionplan.asp\" target=\"_blank\" rel=\"nofollow\">defined contribution plan<\/a><\/span><\/strong> and the <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.irs.gov\/Retirement-Plans\/Individual-Retirement-Arrangements-(IRAs)-1\" target=\"_blank\" rel=\"nofollow\">individual retirement account (IRA)<\/a><\/span><\/strong>.<\/p>\n<p>In many workplaces, the defined contribution plan has replaced what used to be a guaranteed pension. It can take the form of a 401(k), 457 or 403(b). Thanks to updates in the Pension Protection Act of 2006, you can now have guidance from a financial advisor. Also, your investment options have been expanded.<\/p>\n<p>The problem is that only 30% of you who have access to a defined contribution plan participate in it. That\u2019s what the Department of Labor reports. \u00a0That makes no financial sense.\u00a0 Often employers add to the funds. The wealth grows with the taxes deferred. And, given current longevity trends, you could spend up to 30 years in retirement.\u00a0 To do that comfortably, Fidelity estimates, you will need between 60-80% of your current income.<\/p>\n<p>Another option the government makes available to you for tax-deferred wealth building is the IRA. Each year you can put in up to $5,500. When you are 50 years old or older you can deposit even more than that.<\/p>\n<ol start=\"4\">\n<li><strong><em>Embrace the new realities<\/em><\/strong><em>\u00a0<\/em><\/li>\n<\/ol>\n<p>All of us, both investors and we who guide you, are living in a global economy continually disrupted by technology. That has introduced increased volatility into financial markets. Therefore, so much of the conventional wisdom about investing is being questioned.<\/p>\n<p>The classic example is how experts are re-thinking the mandate that investors reduce the percentage of equities as you age. The rule of thumb used to be to subtract your age from 100. The number which results represents the percentage of equities in your portfolio. So, if you are 60, in the old days, that would have been 40%. That\u2019s 20% less than the traditional 60% of equities and 40%\u00a0of bonds in the standard portfolio.<\/p>\n<p>But, 40% of equities might not generate enough money for your 30 years of retirement. You could run out of money. So, what should you do right now about <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/www.investopedia.com\/terms\/a\/assetallocation.asp\" target=\"_blank\" rel=\"nofollow\">asset allocation<\/a><\/span><\/strong> in your portfolio right now?<\/p>\n<p>There are few \u2013 if any \u2013 absolutes in investing any more. The trick is learning to feel comfortable building your wealth amid so much uncertainty. That\u2019s possible when you commit yourself to dynamic planning. You don\u2019t settle in. You continually are alert to red flags and to emerging opportunities.<\/p>\n<p><strong>Now that help is available\u2026<\/strong><\/p>\n<p>Whether you have a dollar or a million dollars in your retirement account you will be able to explore the value of a real advisor. simply by visiting the <strong><span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"http:\/\/sdba.us\/\" target=\"_blank\" rel=\"nofollow\">Self Directed Brokerage Account advisor contact site<\/a><\/span><\/strong>\u00a0.From this site you can begin to take advantage of the features of your retirement plan.\u00a0 If you wish you can also download a fact finder sheet that can be used to create your personal retirement financial plan (you can also upload it from here when complete)<\/p>\n<p>Most company retirement plans are eligible and more are being added every day.<\/p>\n<p>Watch for our next post on why just 1% matters so much for your future retirement.<\/p>\n<p><strong>To learn more about Rick Willoughby, view his<\/strong> <span style=\"color: #0000ff;\"><strong><a style=\"color: #0000ff;\" href=\"http:\/\/www.paladinregistry.com\/financial-advisor\/phoenix-arizona\/Rick.Willoughby\" target=\"_blank\">Paladin Registry profile<\/a><\/strong><\/span>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>About 43% of you worry about money. That\u2019s what the Institute of Financial Planning and National Savings and Investments found. That means that you\u2019re putting a lot of energy into something that won\u2019t earn you any compound interest, capital gains or dividends. Breaking Free of the Worry Maze\u00a0 The good news is that you can exit that worry maze. \u00a0All it takes is being willing to become \u201cstrategic\u201d in how<\/p>\n","protected":false},"author":87,"featured_media":7323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[395],"tags":[],"class_list":["post-7315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Worry About Money? 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You\u2019re putting a lot of energy into something that won\u2019t earn you any compound interest, capital gains or dividends.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/investing\/worry-about-money-a-lot-of-energy-but-no-gains\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/SymphonyFinancialServicesLLC\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-27T13:04:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2016\/04\/worrying-about-money.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"620\" \/>\n\t<meta property=\"og:image:height\" content=\"360\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rick Willoughby\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rick Willoughby\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/worry-about-money-a-lot-of-energy-but-no-gains\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/investing\/worry-about-money-a-lot-of-energy-but-no-gains\/\",\"name\":\"Worry About Money? 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