| Steady
and dependable investment income
is the new challenge for many investors.
For
over 15 years, ISG, Inc. has been focused on this topic. Long before the current financial crisis and the tech
stock bubble, we developed a common-sense strategy for optimizing investment
income that has now proven the test of time. Our products
include the unique Retirement Income Navigator
planning software and the Managing Money During Retirement with
Defined Withdrawals professional seminar. We also offer many free resources to both professional
and individual planners. We do not sell investments. People
often assume that managing money for income is simply a matter of
selling investments as needed from a diversified portfolio and
then periodically rebalancing assets to maintain a target allocation.
But
there are hidden dangers in this strategy
(or lack of strategy) that are not obvious. An investor, who
is forced
to sell investments for income during a down market, can
quickly devastate a portfolio to the point where it is
no longer possible to recover---even
after the market does. This approach is called Systematic
Withdrawals, and it is usually accompanied by a statistical
technique called Monte Carlo Analysis that is used to
determine a safe withdrawal rate---recognizing
that the definition of "safe" usually still assumes a 5-10%
chance of running out of money too soon.
Systematically
selling investments as needed for income is the easy, automatic,
and seemingly natural approach, but it's not really a
strategy. It's just the default situation that exists when
no deliberate strategy has been employed. What today's
retirees and the many baby boomers on the verge of retirement
really need is a highly strategic way to maintain steady and
dependable income while investing in financial markets that can be
anything but steady and dependable.
The
solution to this paradoxical challenge is Defined Withdrawals.
Defined Withdrawals is a simple but powerful strategy that reduces
risk and provides greater peace-of-mind to both retirees and their
advisors. The foundation is an Income
Ladder of fixed-rate investments that creates essentially guaranteed income for a predetermined number of years. The
income ladder replaces salary and provides security while the remainder of the portfolio is
invested in stocks for long-term growth. Eventually stocks are sold to Extend the Income
Ladder. But the income ladder gives the investor some
time and flexibility to hold out for favorable stock selling
opportunities when necessary. Download our free book, Mastering
the Journey with the Retirement Income Navigator, for a
more complete explanation.
How
much difference can strategy make? Find out with our free Practice
Navigator calculator. This unique calculator simulates
real-life market variability and lets you do a head-to-head
comparison of Defined Withdrawals vs. Systematic
Withdrawals. After a little practice you will be amazed at
how much better you can do with a Defined Withdrawals strategy. Before
using Practice Navigator, we recommend viewing the free Nightmare
on Wall Street presentation.
The Defined Withdrawals strategy itself is not complicated,
but real-life income plans and personal financial situations can
be. A powerful tool is needed to develop and optimize a
comprehensive Defined Withdrawals plan. That tool is the Retirement
Income Navigator software, which we offer in cooperation with
Brentmark Software, a leading provider of financial planning
tools. Click the Products link at the top of the page
to learn more.
We
are often asked whether the Retirement Income Navigator software
is designed exclusively for professional planners or whether individual planners
can also use it. It is a professional
product, but many individuals will have no trouble following the
examples in our Free Book
and using the
software to develop their own plans.
Finally
you may also want to check out the free online calculator at IncomeLadders.com.
Just enter your desired income and the available bank CD
rates. The calculator will then build your ladder and
calculate the cost.
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| Free
Book Download |
| This
book explains how to use the Retirement Income
Navigator
software, but it is much more than a software
manual. It is a comprehensive guide to managing
investment and retirement income. Learn about different investment income strategies, dollar-price
erosion, income ladders, the new role that
diversification plays when investing for income, the important
difference between investing in bonds vs. bond funds, trend-line analysis,
etc.
CLICK
HERE

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| Free
Calculator
- Test Your Skills! |
| Have
you ever wondered how much income you can safely
withdraw from your investments and wished that you
could have a practice run? The Practice
Navigator
calculator simulates real-world stock market
variability and lets you test your skills. CLICK
HERE

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| A
Nightmare On Wall Street |
| We
recommend viewing this free presentation before using
the Practice Navigator
calculator.
CLICK
HERE

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| Retirement
Income Software |
| The
unique Retirement Income
Navigator
software
is designed specifically for developing sophisticated
retirement income plans using the Defined Withdrawals
strategy. CLICK
HERE

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| Professional
Seminar Product |
| Good
strategy is also good marketing. Use this
compelling seminar to attract clients, educate
clients, and
differentiate yourself from the crowd. CLICK
HERE

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