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DirectNEWS is a quarterly publication designed especially for retirement plan participants. The newsletters contain articles on various retirement and investment topics to help educate and assist participants in managing their retirement accounts.
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DirectNEWS - Winter 2019
 

When Your Nest Empties
Having a child leave home permanently is a significant event. After you've packed away the memorabilia, sit down and revisit your finances. It may be a good time to make some other changes...

From Their Diapers ...

Raising a child is expensive. For a child born in 2015 (the latest figures available), a middleincome family can expect to spend about $233,610 for food, shelter, and other necessities associated with raising a child over the next 17 years...

... to Your Dreams
If you think it's a big change when the kids leave home, the next one -- retirement -- may be even bigger. Once you no longer have the expenses of raising a family, use the financial "windfall" to beef up your retirement savings. If you haven't been saving as much as you should, this is the time to catch up...



Steps to a Better Portfolio
Create a Strategy
Defining your goals and assessing your risk tolerance are the first steps in creating a workable investment strategy. Your plan should be one you can stick with, even during long periods of market turmoil...


Temper Your Portfolio's Volatility
Including some investments in your portfolio that aren't likely to have wild price swings can help keep its value on a more even keel during periods of higher market volatility. Curbing volatility can eliminate the tendency to make sell decisions based on emotion rather than reason during market downswings...

Be Realistic About Risk
All investments have risk -- from the risk that stocks will lose money to the risk that so-called "safe" investments won't keep pace with inflation. Maintaining a welldiversified portfolio can temper your risk exposure and help protect you from major losses.

 

 
 
 
 
 
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