AARP - Segunda Juventud - Building Financial Security?A Special Report

Building Financial Security
A Special Report

June/July 2006

Toolkit
	Debt Reduction Planner Make a plan to pay it off (AARP Bulletin Online)
	Asset Allocation Planner Determine the right mix for you (AARP Bulletin Online)
	Retirement Calculator Find out if you're saving enough (AARP Bulletin Online)
	Reverse Mortgage Calculator Make your house work for you (AARP.org)
	Financial Planner Questionnaire Questions to ask a planner (PDF) (AARP Bulletin Online)

Get Smart With Your Money
When you retire, everything changes. During your working life, you focus on putting money into the financial system through savings, investments, and your Social Security taxes.
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Today's Do-It-Yourself Pension

» How to Choose a Financial Planner

» Ask the Experts

» Don't Do What I Did

» 9 Financial Makeovers

Read all previously published Finance articles »

Five Basic Investment Principles

Investing doesn’t have to be difficult. Keep these goals in mind:

1. Low Fees
In the long term, a small difference in fees can make a difference in returns.

2. Indexing
Consider an index fund that invests in a diversified sample of stocks and bonds. These funds require less management than non-index funds, so there are usually lower fees.

3. Diversification
Spread your money over different investments to reduce overall risk.

4. Rebalancing
Monitor and align the asset mix in your portfolio to match your investment goals.

5. Simple Choices
Minimize your decisions if you don’t have the time or knowledge to manage your portfolio.

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