How to retire with over $500,000

You have arrived at the point where you want to retire and want to ensure that you are going to have sufficient cash for the rest of your life. How would you go about ensuring your $500,000 retirement savings ensuring your retirement savings doesn't run out?  Here is how...

Utilizing Treasury Bonds
Treasury bonds are known to be the safest investment there is on the planet in terms of safety. Their risk could practically be compared to a savings account. This is primarily because these bonds have a zero default risk.  Unlike corporate bonds  where a company can go bankrupt and be unable to repay you your money, treasury bonds cannot default on payment because they are issued by a country and a country will always print money when they are in need of money. In fact these bonds are known to constitute over 60% of most retirements funds. More so, you can find many of these bonds with high paying interest rate that could go as high as 18% per annum.

Below is a table that shows a typical cash flow from bonds after 7 years. (Yes, your capital will be doubled after 7 years. so just imagine buying and holding a bond at that rate for 30 years.)

item	Rate/Deposits	returns	Year 1	Year 2	Year 3	Year 4	Year 5	Year 6	Year 7
Coupon rate(annually)	15.00%		75000	75000	75000	75000	75000	75000	75000
Amount	500,000.00	sub-total	75000	150000	225000	300000	375000	450000	525000
		Yield	15%	30%	45%	60%	75%	90%	105%

Read more on bonds here
Recommendation: Buy Treasury bonds of politically stable countries whose bonds interest rates are above your local inflation.  (good examples are Brazil, South, Africa, Ghana, Russia, Argentina, Ukraine)

Real Estate

There have been growing innovations in real estate investments(read about them here and here). It is definitely the second safest investment on this list. There are three great benefits of owning real estates.

• Funding: These investments can, and are often funded by debts(Mortgages) rather than one's own capital equity. This allows you to share the risk with the funding bank. Hence, you can have the bank access the property and see how much risk it carries. If they refuse for any reason it is a sign it may carry a risk you could not foresee or that you are a high risk client. However, the fact that you can get funding from the bank and their expertise makes them a good source of funding.
• They have tax benefits: Since most real estate properties can be finance with debt they usually have a tax shield since government can only tax profits.
• Landed Properties are also known to appreciate  continuously hence the risk of loss is mitigated by its continual rising price. With exception of the 2008 mortgage crisis caused(as I see it) by wall street (see video), you should not have problems investing in real estate provided there are no wars, crisis or surge in crime.

image source: codyarray website

Recommendation: Get invest in an hotel around an active tourist area or dense office area or a rapid growing population area

If you don't want to go through the rigors of buying and maintaining Real Estate properties read about REITS Here

Stocks/Forex Duo

The Stocks Forex duo is another great way to retire in life. The stocks market is known to grow at an average interest rate of 12% that means in 5 years time you would have doubled your capital without even including returns from dividends.Buying a 100,000 units of shares that eventually pays 1$ per share will earn you $100,000 annually. Adding Forex to the portfolio makes it sweeter as your capital will get doubled in half that time my estimate is about 2.5 years. This is because Forex is more volatile than stocks thus yields more return. To do this I would not suggest you trade your self because you are technically thinking of retirement. Hence, get a good yielding stock mutual funds, (get recommendations here) and good professionally managed forex accounts here.



Bottom Line
There is no excuse to go broke after reaching certain levels in life nobody is expecting anyone to take excessive risk else it would not be tagged a retirement account anymore but a growth account. The ability to use your judgement to make sound decisions after being exposed to information we go a long way to different those who will be come millionaires after reading this post and those who will go back to how they were. If you have personal suggestions, questions or need private financial counselling or recommendation for your capital I will do so for you at a fee for a meager sum of  $100.Advise can be free though if it doesn't require research. Contact me at majestyinc5@gmail.com

Stay blessed.