Market Volatility Haters Need to Change Their Mindset

Also: Why the U.S. May Not Be the Best Country for Retirement

͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌ ͏‌  December 27, 2022 From one perspective, investing isn’t looking too promising for 2023. According to one survey, millionaire investors say they expect to see more steep stock declines in 2023. The S&P 500, a benchmark for U.S. stocks, is down 19% so far this year. From another perspective, though, things look great. What’s that old saying? Oh, right. Buy low, sell high. As we go into the new year, low prices could mean a dream year for anyone with cash to put to work and time for it to stay in the markets. If you’re in your 20s and 30s, you should be delirious with joy. Every dollar-cost averaged purchase you make through your IRA or 401(k) has the potential for decades of gains. What if you’re older? You might find some relief in bonds, which have higher yields. For more, read our reporter Sarah Hansen’s story here. Happy New Year and here’s hoping for good things in 2023! — Jill Cornfield, deputy editor P.S. If you got this newsletter from a friend, sign up here for email delivery to make sure you don't miss the next issue.   More Insights and Advice from Money

Is It Safe to Retire in a Bear Market? A bear market can be scary for any investor. But if you are planning to retire anytime soon, a market downturn can be downright terrifying. READ MORE

Counting on Working in Retirement to Boost Your Income? Here's Why That Strategy Can Backfire Rampant inflation and fears of a looming recession could be motivating people to work past retirement age to make up for shortfalls in savings. Well over half of workers expect to work in some capacity during retirement, according to the Employee Benefit Research Institute. READ MORE

The Pros and Cons of a Reverse Mortgage Reverse mortgages allow seniors to turn their home equity into income. Compared to a traditional mortgage, they work in “reverse”: Instead of the homeowner making payments to a lender, the lender makes payments to the homeowner. While this extra cash can certainly be helpful for retirees, reverse mortgages have some serious downsides. READ MORE

Why the U.S. May Not Be the Best Country for Retirement Four-decade-high inflation, a volatile stock market and ballooning public debt are among the factors threatening the economic security of retirees. In the 2022 Natixis Investment Managers Global Retirement Index, the United States slipped even further down the list. READ MORE

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Retirement 1, 2, 3   If you’re planning on 25 years in retirement, here’s where your $1 million is going to run out the fastest. Women earn less than men, and in retirement, the picture is no better, with 80% of retired women saying they don’t make enough vs. 70% of men. If you’re on workers’ compensation, do you qualify for a penalty-free early distribution from an IRA because of your disability? Here’s what to know. (Video)

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