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Get Paid During Your Golden Years

April 11, 2024 By E.J. Smith - Your Survival Guy

By stacestock @ Adobe Stock

With the 10-year treasury at 4.5%, retired and soon-to-be-retired investors are seeing rates they can sink their teeth into for longer—don’t let inertia keep you down.

How high will they go? Not my concern. What I am concerned about is that you get paid during your golden years with some cold, hard cash from interest payments. Consider a mix of stocks and bonds. Run your finger along my efficient frontier and understand it’s not necessarily what you invest in but how you invest. In other words, are you diversified?

Is Your Family Prepared for the Next Disaster? Click Here to Survive and Thrive

How about your CDs that are maturing? Pay attention because rolling them over may not provide the yield you think you’re getting. In my conversations with you, you’re telling me exactly that. What I suggest you do is consider shopping around or consider money markets. Get your lazy cash off the sidelines and into the game.

If you have a pile of cash, your first course of action is to determine risk tolerance. As you know, investors tend to realize they have risk intolerance, like a food allergy, after the fact. If you want to take advantage of AI, consider the massive energy use required and consider an approach where you get paid to invest in the form of dividends.

Action Line: When you’re ready to talk, I’m here.

Originally posted on Your Survival Guy.

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E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

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E.J. Smith - Your Survival Guy
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