{"id":2468,"date":"2021-12-30T14:58:44","date_gmt":"2021-12-30T19:58:44","guid":{"rendered":"https:\/\/www.thewealthguardians.com\/staging\/3023\/?p=2468"},"modified":"2021-12-30T15:03:47","modified_gmt":"2021-12-30T20:03:47","slug":"3-sobering-thoughts-hurting-your-retirement","status":"publish","type":"post","link":"https:\/\/www.thewealthguardians.com\/staging\/3023\/3-sobering-thoughts-hurting-your-retirement\/","title":{"rendered":"3 Sobering Thoughts Hurting Your Retirement"},"content":{"rendered":"

<\/p>\"\"Stagnant wage growth, rising inflation and low interest rates are real issues<\/em>\n

The idea of retiring at age 65 with a gold watch and a fully funded retirement account is a quaint notion for many Americans. Amid stagnating real wages, rising inflation and (still) low interest income, most people have a tough time setting aside money for retirement.<\/p>\n

While the 401k is still one of the best available retirement saving options for many people, only 32% of Americans are investing in one, according to the U.S. Census Bureau. That is staggering given that 59% of employed Americans have access to one. And of the ones who do, an even smaller percentage are saving enough to live well in retirement. Consider these numbers from How America Saves:<\/p>\n

\u00a0<\/p>\n

\"\"<\/p>\n

Are these balances sufficient to support your lifestyle when you retire? Considering that the average life expectancy for women is 86.5 years and for men it is 84 years, probably not.<\/p>\n

Sobering Thought #1: Wage Growth <\/strong><\/p>\n

The lack of real long-term wage growth in America over the last decade affects our ability to save for retirement. It\u2019s true that in April 2020 \u2013 one of the worst months during the pandemic when the U.S. economy lost 21 million jobs \u2013 we saw one of the fastest wage growth periods of all time. You might remember that during that month, the Bureau of Labor Statistics reported that year-over-year growth in average hourly earnings skyrocketed to about 8% -\u2013 the highest observed wage growth rate since the series began in 2006.<\/p>\n

But that massive increase was because more lower-paid-workers lost their jobs while more higher-paid-workers did not. As such, the \u201caverage wage\u201d went up.<\/p>\n

Look at it this way: If person A makes $20\/hour, person B makes $30\/hour and person C makes $40\/hour, the \u201caverage wage\u201d is $30. But if person A loses their job, then the \u201caverage wage\u201d jumps to $35\/hour \u2013 which is a 16.6% increase.<\/p>\n

When changes in data are driven by a shift in underlying characteristics \u2013 like more lower-paid-workers losing their jobs \u2013 economists call these \u201ccomposition effects.\u201d<\/p>\n

But let\u2019s not get too geeky. Just look at the wage growth over the past 10 years. Prior to last year\u2019s pandemic, wage growth was stagnating.<\/p>\n

\"\"<\/p>\n

Sobering Thought #2: Inflation<\/strong><\/p>\n

Factor inflation into this equation, and the wage growth story collapses even further. And with less real income, there is naturally less left over to save for the future.<\/p>\n

\"\"<\/p>\n

\n

>CLICK HERE TO DOWNLOAD OUR FREE GUIDE: Don\u2019t Let Your Investments Take You for A Ride<\/span><\/a>
\n<\/em><\/strong><\/p>\n<\/blockquote>\n

Sobering Thought #3: Low Interest Rates<\/strong><\/p>\n

If low wage growth and rising inflation wasn\u2019t bad enough, think about how the Federal Reserve\u2019s \u201ceasy money\u201d policy hurts savers.<\/p>\n

Just look at the federal funds rate over the past 70+ years (the fed funds rate is the interest rate at which banks lend to other banks and is set by the Fed). Currently, the fed funds rate is 0.10%.<\/p>\n

\"\"<\/p>\n

We used to get a small but significant reward for keeping money in savings accounts, certificates of deposit and government bonds. That\u2019s gone as interest rates are close to zero. Without safe investments like that, many investors flock into riskier asset classes they know little about.<\/p>\n

What You Can Do<\/strong><\/p>\n

The key to successful financial planning lies in following wise investment strategies, custom tailored to your personal circumstances. And while your financial plan should be tied to your long\u2013term goals, short\u2013term events need to be addressed too.<\/p>\n

The Wealth Guardians can help you keep your emotions out of your investing decisions, properly account for inflation, and make sure your asset allocation is designed for income and growth. More importantly, we can help you balance long\u2013term strategies and short\u2013term tactics in order to help ensure that you are accounting for both.<\/p>\n

That way you can rest comfortably at night knowing that your money is working and able to provide for your lifestyle in retirement.<\/p>\n

Our Custom Retirement Paycheck Plan<\/strong><\/span><\/em><\/a> shows how to protect your retirement from the risks of unexpected market swings, tax changes, and health care expenses using a mathematically tested strategy to create lifetime income allowing you to stop worrying about outliving your money and get on with enjoying the rest of your life.<\/p>\n

Let us show you in black and white a custom retirement income plan that is comprehensive, individualized and based on strategies that balance growth with downside protection. Get your Custom Retirement Paycheck Plan<\/strong><\/em><\/span><\/a> now!<\/p>\n

\"\"<\/a><\/p>\n

\n

>Click here to learn more about this FREE report<\/strong><\/em><\/span><\/a><\/p>\n<\/blockquote>\n

Give us a call at our Charlotte office at (704) 248-8549, or our Clemmons office at (336) 391-3409. Or, click here to request a no-cost, no-obligation meeting<\/strong><\/em><\/span><\/a>.<\/p>\n

\n

[SOURCES & ADDITIONAL DISCLOSURES]<\/strong><\/p>\n

Copyright \u00a9 2021 FMeX. All rights reserved. Distributed by Financial Media Exchange.<\/em><\/p>\n<\/body>","protected":false},"excerpt":{"rendered":"

Stagnant wage growth, rising inflation and low interest rates are real issues The idea of retiring at age 65 with a gold watch and a fully funded retirement account is a quaint notion for many Americans. 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