The first Baby Boomer turned 65 in 2011. The biggest population segment (28%) now heading into retirement is expected to live 20, 30 or even 40 years past their retirement age.
With the Wall Street yo-yo effect over the last few years, many individuals hoping to retire at 65 are now being forced back into the work place as invested retirement funds are not supplying their needs.
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At the end of 2011, stocks finished flat, with an annual change of 0.003%. The S&P 500 Index finished 0.04 points down, at the smallest annual change in the history of this index.
The Dow Jones rose 5.5%, but the Nasdaq lost 1.8%. So, overall…a gloomy year for Wall Street investors.
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The Wall Street Journal recently published an article based upon Bridgewater Associates’ economic forecast for 2012 and beyond.
Bridgewater is the largest private hedge fund in the world with $125 billion of assets under management. Their primary clients are large pension funds, endowments, foreign governments and central banks.
It’s the holiday season and gift-giving is on the minds of Americans. So, we thought it would be appropriate to make you aware of one gift that keeps on giving all year long, and into the future.
About a month ago, we wrote several articles. The first was entitled “A Dose of Reality: Stocks vs Rental Property”. The second was “The Lost Decade of Retirement Investing”. In essence, these articles point out that from April 1999 to Sept 2011 the Dow Jones Industrial Average experienced a 5% gain.
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Is the world on the verge of another massive global financial collapse? According to Michael Snyder, the answer is “yes”. His recent article “17 Quotes About The Coming Global Financial Collapse That Will Make Your Hair Stand Up” is a must read if you value the opinions of people like Warren Buffet, Mark Mobius, Paul Krugman and a host of other well known business and financial professionals.
What is the consensus among the 17 individuals quoted? Time is running out and there’s definitely going to be another financial crisis…and, it’s going to be worse than 2008.
In 2010, rental prices increased by 11.6%, moving the national average from $1181 to $1319 per month.
This increase is a direct reflection of the rise in foreclosure averages nationwide forcing families into rented single family homes or apartments. And, foreclosures are not declining as we move into 2012, creating further pressure on the upward movement of rental rates.
A commonly asked question we get from our customers is “Can I invest my Self Directed IRA into a vacation property?”
The answer is simple: Yes you can. But you cannot vacation there. That would be a prohibited transaction within your IRA plan.
Investing in vacation real estate is a dream for most real estate investors, but unless you have upwards of an 80% occupancy rate and a fantastic property management company who promotes and manages it well the investment return could be a lot lower than regular income producing real estate with long term renters.
According to recent data from a variety of sources, including Fiserv, a financial analytics company, “the housing market has even further to fall before home prices hit rock bottom.”
Losers: Homeowners
Winners: Real Estate Investors
With Halloween just around the corner, we thought we would put a list together of the stock market scary stories of 2011. With this type of instability rocking Wall Street throughout the year, investing in Real Estate with a Self Directed IRA or 401k definitely seems like the safest option…
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So…you’re thinking about moving your retirement money out of the stock market and investing into income producing real estate with a Self Directed IRA or 401(k).
You have two choices. You can either invest in a “turn-key, cash flow” property that already has a tenant and property management company in place, or you can purchase a property and hire a company to find a renter and manage the property for you.
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