| ISG
is a pioneer in the
field of managing investments for steady, dependable, and
long-term income. For over 15
years we have been developing innovative software,
seminars, and educational materials focused specifically on this
topic. We do not sell investments.
Many
people assume that managing money for income is simply a matter of
selling investments as needed from a diversified portfolio.
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. Recent
financial conditions have clarified the risks, and financial
advisors are recommending lower and lower withdrawal rates to
compensate. But a Systematic Withdrawals approach is not the only
option.
Defined Withdrawals
is a simple but powerful strategy that reduces risk, provides
greater peace-of-mind to both clients and advisors, and often
supports higher investment income. The foundation of the
strategy is an Income
Ladder of fixed-rate investments designed to provide
essentially guaranteed income for a predetermined number of years. The Income
Ladder replaces salary while the remainder of the portfolio is
invested in stocks for growth. In time stocks are sold to Extend the Income
Ladder, but Defined
Withdrawals is not simply a Buy and Hold strategy for
stocks. It is a Buy and Hold Out strategy.
There is a big difference. A key benefit of the strategy is
the ability to hold out for favorable stock selling
opportunities. We call this Navigating.
The Defined Withdrawals strategy itself is not complicated,
but real-life income plans and personal financial situations can be.
People frequently have changing income requirements over
time and need to factor in other non-investment sources of income.
Inflation needs to be considered at all stages of the
planning process, and determining the proper allocation of
income-generating and growth investments for a given person’s
financial situation is not trivial. It requires a powerful tool.
That
tool is the Retirement Income Navigator software.
| Retirement
Income Navigator Version 3.0 |
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For
a detailed understanding of this unique software, download
our free book, Mastering the Journey with the
Retirement Income Navigator. But this is much more than a software manual. It
describes in detail the Defined Withdrawals strategy and many important topics associated with retirement income planning
and management. Learn about
different investment income strategies, dollar-price
erosion, income ladders, trend-line analysis, etc.
Finally,
even with a solid plan, investing for steady and dependable income
takes some practice, and no one should try it for the first time
with real money and real consequences. Instead try our Practice
Navigator calculator to see if you can maintain your desired
income for up to 30 years. This free calculator simulates
real-life stock market variability, but unlike other Monte Carlo
programs, Practice Navigator lets you make annual decisions and
adjustments to better simulate the real-life experience of
managing investments for income.
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| Free
Book Download |
| Updated
Version Posted 6/2/09
|
| 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, trend-line analysis, etc. CLICK
HERE

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| For
Professionals |
| We
offer a compelling seminar product to help you educate and
attract clients. We also offer a complementary
software product for developing sophisticated
retirement income plans based on the Defined Withdrawals
strategy. CLICK
HERE

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| For Individuals |
| We offer
a variety of free resources including a simplified version of our Practice Navigator investment
income calculator
and the companion Nightmare On Wall Street
presentation. 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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Creating
an income ladder using ordinary bank certificates of
deposit is not difficult. In fact the free
online calculator at IncomeLadders.com makes it easy.
CLICK
HERE
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