ndhigh5.18%Investing for retirement is a strategy that should take into account the length of investments (length of time before an investor will need his/her money), amount of principle investment, any continuing payments into your investments, and shifts in the tax brackets throughout a persons income life. At the beginning of an investors retirement investment portfolio with 20 years to go and continual contributions, it would be suggested to enter into a growth portfolio strategy. I see this strategy as the best for long term investing. A growth portfolio allows for some bond investing which has the option of being municipal bonds, interest is tax-free. Of worth consideration, tax managed funds. I feel this is important considering that the investor at the early stages of investing will more than likely be in the highest tax bracket of his/her life. Also of importance is the access to liquid assets such as with the money market mutual funds. No one should have to sell off their retirement investments for emergencies with their home or the marriage of their daughter.As an investor nears retirement, around 5 years until retirement, I would suggest moving to a balanced or conservative portfolio. It is important not to depend on the stock market for immediate needs, since in the short run the stock market fluctuates. Throughout early years of retirement, I suggest staying in a balanced or conservative portfolio. When health has declined and there is immediate need for additional funds, at that time I would suggest moving to a 100% money market account or short-term bond funds, maintaining liquidity of principle.Of course, there are investors whose risk tolerance would not permit him/her to invest in pure stocks and bonds. For this investor they may need persuasion to even consider mutual funds. An investors comfort level is very important, for this individual, I would suggest certificates of deposit and savings bonds. While...
