Investing Conservatively in Retirement: Make Your Money Work for You (For the Middle Class)

By Frank DiPasquale

The strategy described in this book makes your money work for you despite what the stock market is doing. A big advantage for this strategy is that people do not have to lose sleep due to the ups and downs of the market. The primary objective is to generate a steady and increasing stream of income for and through retirement. The secondary objective is to grow the investments so there is an increasing sum of money for lifes unexpected events and your heirs.

The sample portfolio constructed with this strategy showed that a $500k investment from 12/03 to 12/13 distributed $260K while the portfolio value increased from $500K to $845K. Therefore, over ten years, a $500k portfolio generated a total value of $260K + $845K = $1.105M. Not bad for what is essentially a passive, low-risk portfolio!

• Language: English
• Publisher: AuthorHouse
• Release date: Aug 23, 2014
• ISBN: 9781496935267

Frank DiPasquale

The author is an accomplished certified financial planner and has been in practice for several years. He has helped a vast number of people with their investments and financial planning. People nearing retirement and in retirement have been the focus of his practice. The author has been a leader in the chemical industry for many years and had many personal life experiences, good and bad. It is this leadership, education, and life experience that gives him a well-rounded perspective of the world and how to succeed.

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2014 Frank DiPasquale. All rights reserved.

No part of this book may be reproduced, stored in a retrieval system, or

transmitted by any means without the written permission of the author.

Published by AuthorHouse 08/23/2014

ISBN: 978-1-4969-3525-0 (sc)

       978-1-4969-3526-7 (e)

Library of Congress Control Number: 2014915160

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Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

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Investing Conservatively in Retirement

Make Your Money Work for You

Frank DiPasquale

Certified Financial Planner, CFP

Contents

Preface

Introduction

Chapter 1: Goal, Objectives, and Strategy

Chapter 2: Setting Up the Asset Allocation

Chapter 3: Setting Up the Criteria for Securities Chosen along with a Sample Portfolio

Chapter 4: Determining the Withdrawal Rate

Chapter 5: Performance of a Sample Portfolio

Chapter 6: Monitoring the Portfolio and Rebalancing

Chapter 7: Other Issues

Chapter 8: Conclusion

I

dedicate this book to my loving wife, Melissa. I don’t know what I did right in my life to deserve her.

Preface

During my time as a financial advisor it became very obvious that people needed guidance on how to manage their money in retirement. I found that, most of the time, books written with strategies for investing during retirement did not show examples of how to implement their strategies. When I tried to put these strategies into practice, they were either not practical or didn’t accomplish the objective. I got fed up with reading fluff and decided to write this book to help everyday conservative people like me invest through retirement. This book was written for people that have worked hard