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Risk & Protection

How Annuities Can Protect Your Children

Care

One of the most common reservations that people have about purchasing an immediate annuity is what would happen if they did not survive long enough to recover the premium that they paid from the benefits they received.  Rather than thinking about an annuity as an insurance policy that protects against the risk of living too… Read More →


Posted by John Bevacqua on March 27, 2012

Life Insurance Industry Challenges A Warning to All

Ship

Over the past few months, several marquee life insurance companies have announced their retreat from product lines that are important to the planning needs of current and future retirees: Sun Life, Genworth and now Hartford Financial exited the variable annuity market – a product that provides retirees an opportunity to participate in market growth with… Read More →


Posted by John Bevacqua on March 21, 2012

The Perils of Using Long Term Bonds for Retirement Income

Interest Rate Risk

The low interest rate environment has income-thirsty investors scrambling to find ways to invest their money with acceptable risk.  One temptation that I have seen many succumb to is investing in long term bonds.  This can be an extremely dangerous proposition, and my hope is that, after reading this blog, I can make anyone contemplating such a… Read More →


Posted by John Bevacqua on March 15, 2012

Keep Your Retirement On Track with Put Options

bumper_bowling

If you could buy an insurance policy on your investment portfolio that made you whole if losses exceeded a specified amount, would you be interested? Believe it or not, you can create your own insurance policy that does exactly this using a security called a “put option“. OK, some of you who are reading this… Read More →


Posted by John Bevacqua on November 18, 2011

Bonds & Interest Rate Risk

images

I can remember my first experience with interest rates.  It was when I purchased a CD from a bank, and I can recall how honest and straightforward the arrangement was – you give the bank your money for an agreed upon amount of time, after which you get your money back plus a little interest… Read More →


Posted by John Bevacqua on October 31, 2011