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In a Volatile Market, Hedge Your Investments With Low-Volatility ETFs

By Safeguard Investment Advisory Group | February 12, 2015

When the market is at its most unpredictable, a really dedicated investor can find funds to gamble on that will shoot up in value. But many such funds are just as likely to shoot downward; that’s the very definition of a volatile market. If you pay regular attention to your portfolio rather than sitting back…

Managing the Effects of Millennial College Graduates on Boomers’ Retirement Planning

By Safeguard Investment Advisory Group | December 3, 2014

I’s a great thing that society values education, but millennial college graduates can affect your financial goals. Unfortunately, little thought is put into managing the effects of college graduates on retirement planning. In many cases, the millennial college graduates can have a lasting negative impact on baby boomer savings, but it doesn’t have to be…

What I Should Know About My Thrift Savings Plan

By Safeguard Investment Advisory Group | December 3, 2014

Thrift Savings Plans and The Investment Fund Allocation Choices As with all things, understanding the Big Picture can help tremendously in your financial goals. A Thrift savings plan, or commonly known as TSP, is a retirement program offered to Federal Employees. A Thrift Savings plan allows the employee to contribute dollars towards their retirement on…

Old Fashioned Financial Independence

By Safeguard Investment Advisory Group | December 3, 2014

Are you looking to become financially independent? True financial independence calls for a combination of hard work, discipline, and a few simple steps which I will outline here.   Do not live beyond your means.  Have a budget and don’t incur bad debt.  I’m sure you have heard this many times but, do not keep…

Multiple 401k Plans and Options

By Safeguard Investment Advisory Group | December 3, 2014

Here are some common questions we get asked when it comes to 401k plans. “These days many people have moved around, from job to job, ending up with multiple 401k plans. What should I do? Leave the 401k where it is, move it to my new employer, or simply covert it to an IRA and…

4 Items to Review During Retirement

By Safeguard Investment Advisory Group | December 3, 2014

Items to Review During Retirement Analyze your current portfolio.  How much risk are you currently taking?  What is the amount of volatility you are willing to accept and does your portfolio reflect that?  If you know that you cannot bear more than 10 percent fluctuation when the market is down, is your portfolio positioned accordingly?…

Cash Value Life Insurance – Advantages and Disadvantages

By Safeguard Investment Advisory Group | December 3, 2014

Cash Value Life Insurance – Advantages and Disadvantages Cash value life insurance has been a big controversy amongst financial planners over the years.  Some say it is a great tool because you can build a retirement account to offset your retirement income on a tax free basis.  Others say it is a terrible investment because…

Do I Need an Investment Advisor?

By Safeguard Investment Advisory Group | December 3, 2014

Do I Need an Investment Advisor? Most of us are busy with work, kids, church, walking the dog, possibly caring for an elderly parent, and a variety of other responsibilities that consume our day.  With all that we have going on, we tend to have little to no time for ourselves.  We often neglect things…

How to Control Risk in Your Bond Portfolio

By Safeguard Investment Advisory Group | December 3, 2014

Do you wonder how you can control risk in your bond portfolio? Many are worried about interest rates going up and bonds losing value. The good news about bonds – you have the ability to control risk in your bond portfolio, better than with your stocks.  The reason being – bonds have a “Maturity Date.”…

How to Create Income During Retirement

By Safeguard Investment Advisory Group | December 3, 2014

Want to learn how to create income during retirement? Your strategy used will be determined during the accumulation phase or the preservation stage.  Today I will discuss what to focus on when you are ready to retire.  Focus should be placed on creating the income you need and how to preserve your assets. First, you…

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