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Investment Strategies To Grow Your Income

While it’s wise to have a concern for increasing your assets, you may also wish to focus on using your investments to augment your income. For example, if you inherited a valuable piece of artwork worth $1 million, you could hang it on your wall and increase your assets by $1 million. However, that picture on your wall does little to help you pay your expenses. Investment strategies that focus on growing assets will generally result in greater wealth over the long-term, but it’s also possible to generate a significant income via the proper investment channels. Investment strategies that focus on income make more sense as you near retirement age. With income-producing investments, you can lower your risk. This might be especially important to you if you’re too close to retirement to have the time to recover from significant asset loss. Also, once you’re retired, you’ll want a reliable and consistent source of income.

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Investment Strategies To Grow Your Income

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  1. InvestmentStrategiesto Grow Your Income "Rule No.1: Never lose money. Rule No.2: Never forget rule No.1." - Warren Buffett

  2. Introduction • Assets are less ideal than income when you need money to spend in the short-term. • Investment strategies that focus on income make more sense as one nears retirement age. • The main component for determining the amount of that income is risk. The greater risk one is willing to take on, the greater the potential for a high-income stream.

  3. 3 Types of Investment Income

  4. Variable Income Investment Strategies • Can outpace inflation and grow wealth over time • Allows for consistent and reliable stream of income • While the income will be less than that generated by a 100% income strategy, there will still be some income while providing asset growth as well.

  5. Predictable Income Strategies • Predictable income strategies are generally safe and reliable investments, but all of these investments are on a sliding scale with regards to risk. • For example, some bonds are very low-risk investments, but there are also very high-risk bonds.

  6. Examples of Predictable Income Strategies

  7. Examples of Predictable Income Strategies (Cont’d.)

  8. Guaranteed Investment Strategies • There are three (3) types of guaranteed investment strategies:

  9. Guaranteed Investment Strategies:Treasury Bills

  10. Guaranteed Investment Strategies:Fixed Annuities • A fixed annuity is a contract issued by an insurance company that makes fixed payments over the term of the contract. • The contract typically ends when the person receiving the payments dies.

  11. Guaranteed Investment Strategies: Certificates of deposit (CDs) • Saving certificate issued by commercial bank • Pays interest to the purchaser • Maturity typically 1 month to 5 years • Interest rate is fixed and compounded daily • Guaranteed by the federal government

  12. Which Strategy is Right for You? Ask:

  13. Which Strategy is Right for You? Ask:

  14. Which Strategy is Right for You? Ask:

  15. Investing in Bonds • The basics of investing in bonds are really quite simple. • Remember that you are lending money to a company or government that issues the bond. • The bond is simply an agreement to repay the face value on the bond plus a specified interest within a specific period of time.

  16. Things to Consider When Investing in Bonds

  17. Things to Consider When Investing in Bonds (Cont’d.)

  18. Investing in Bond Funds • These funds are similar to stock mutual funds. The only significant difference is the type of investments the fund manager utilizes. • Bond funds and dividend funds are frequently less volatile than stock funds and can also provide the investor with a steady stream of income. • As with all mutual funds, there are different levels of risk and return. Ensure the fund you choose is a good match for your risk tolerance.

  19. Things to Look at When Analyzing Bond Funds

  20. Things to Look at When Analyzing Bond Funds (Cont’d.)

  21. Things to Look at When Analyzing Bond Funds (Cont’d.)

  22. “Money isn't the most important thing in life, but it's reasonably close to oxygen on the‘gotta have it’ scale.” • ZigZiglar

  23. General Investing Tips

  24. General Investing Tips (Cont’d.)

  25. General Investing Tips (Cont’d.)

  26. General Investing Tips (Cont’d.)

  27. General Investing Tips (Cont’d.)

  28. Points to Note • There comes a time in most people's lives where income is more important than the value of one's assets. • As with any other type of investing, it's important to be aware of your goals.

  29. Conclusion – Questions to Ask Yourself

  30. Conclusion • If you lack the expertise to invest in fixed income investments, don't hesitate to get professional assistance. There are many experts out there waiting to help. • Always continue to learn more about money and investing. The more you know, the better decisions you'll make. • Don't wait to get started. A strong, steady stream of income can be yours if you take the right actions and get busy!

  31. We hope you enjoyed your Special Report! Curtis Roese is an experienced professional with extensive experience in personal finance and small business matters. Curtis writes and publishes articles, courses, guides and special reports on his personal finance blog. Common Cents Wisdom is a website with hundreds of informative articles, special reports, resources to assist you with all of your financial concerns and a free monthly newsletter. Sign up to receive your free eBook "Common Cents" and get started today on the road to financial freedom!

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