SPHD - Retirement: New Normal Requires Flexibility

• As we have pointed out in previous articles, interest rates are at unprecedented lows.
• This means that retirees cannot obtain decent yields from totally risk-free investments.
• Retirees must venture into riskier waters in order to generate decent yields.
• This creates certain dangers in terms of fraud and abuse aimed at retiree investors.
• Retirees must be diligent in determining the risk/reward profile of investments and must also have some flexibility in terms of lifestyle.

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