Sustainable Income Portfolios - SIPs

Sustainable Income Portfolios - SIPs Your search for sustainable income ends here. First, immediate annuities don’t often include an annual cost-of-living increase. money “invested”) per year.

Sustainable Income Portfolios (SIPs) are designed to provide inflation-adjusted income from your investment portfolio. Why hand your money over to an insurance company for the promise of lifetime income, when you can have your cake and it eat it too? While it sounds "safe" to convert your retirement savings into lifetime income by purchasing an immediate annuity that guarantees you monthly payment

s for as long as you live, one needs to consider the hidden “risks” of such a product. Second, you undertake risk that the insurance company can’t fulfill their promise (AIG on the verge of collapse in 2008?). Most importantly—you lose your flexibility, and your principal; there will be no money for your heirs. That is one HUGE, irreversible decision: to hand over your nest egg to an insurance company for the promise of lifetime income. That doesn’t even take into account the “return” you’ll get on your money. In 2015, income from immediate annuities often nets a new retiree about 6% of the premium paid (i.e. That’s not a “return” of 6%; that’s your money you’ll be getting back for the first 17 years. In effect, the insurance company is betting you won’t outlive the interest they’ll earn on your savings in those first 17 years. We think the best annuity you can buy is Social Security (untapped benefits after age-62 grow at nearly 8%!). If you’re considering an annuity for retirement income, the first step would be to defer your Social Security benefits until age 70. That's why we developed “annuity alternatives” that we call Sustainable Income Portfolios (SIPs). They are designed with the aim of regularly taking the inflation-adjusted income from your investment portfolio, without eating away at the principal over time. We utilize low-cost, passive investment like ETFs to build a tax-efficient, income-producing investment portfolio that allows you to have your cake - and nibble from it, too. Thanks to our Sustainable Income Portfolios, we encourage you to "SIP" income from your investments.

Thanks to Robert Kiyosaki for the simple graphic. Reduce expenses and liabilities, and build assetsto provide sustainabl...
03/08/2020

Thanks to Robert Kiyosaki for the simple graphic. Reduce expenses and liabilities, and build assetsto provide sustainable income for the rest of your life.

02/04/2020

From a real estate investing group post:

How to get a teen interested in rentals.
1) Give Rich Dad Poor Dad.

Teen: Nothing.
2) Show how passive income can replace selling hours of your life. Talk about freedom, travel and exploration.

Teen: Nothing
3) Explain how the unit we are in is a place I get to live rent free.

Teen: Nothing
4) Have a tenant show up, interrupting your conversation. Tenant asks if cash is ok? Just this once. His computer isn’t working. Tenant apologizes for having small bills (50s/20s) because the ATM didn’t have enough hundreds. Tenant hands me a wad of cash.

Teen: People just show up and give you money? Ok. I’m in.

Boom.Thanks to BlackRock / iShares for the info graphic.
01/08/2020

Boom.

Thanks to BlackRock / iShares for the info graphic.

12/23/2019

We are considering shutting this page down and simply focusing on Sommers Financial Management and Ayntegrity.

Raise your hand if you prefer separate posts all about sustainable income, so we can make a decision about keeping this page active.

Merry Christmas!
12/23/2019

Merry Christmas!

Our closed-end fund research is second to none.Large Cap stocks (S&P 500) vs. our CEF picks, year-to-date. Boom.
10/04/2019

Our closed-end fund research is second to none.

Large Cap stocks (S&P 500) vs. our CEF picks, year-to-date.

Boom.

Our closed-end fund research is second to none.
10/04/2019

Our closed-end fund research is second to none.

Do you love real estate as an avenue to passive income and cash flow?Do you love the hands on work of direct ownership, ...
10/02/2019

Do you love real estate as an avenue to passive income and cash flow?

Do you love the hands on work of direct ownership, or would you prefer passive ownership of REITs, with daily liquidity?

Would you accept liquidity in 3-month increments, if the return profile looked like the blue line?

That is an "interval fund", which allows the fund manager to invest in less liquid real estate investments, within a publicly traded mutual fund, because of the restrictions on sales of shares every 3 months.

Looks pretty reasonable to us!

We
09/29/2019

We

Now he can generate Sustainable Income from $50 million!!!!In our CEF-Arb Balanced SIP that would be MONTHLY income of $...
09/14/2019

Now he can generate Sustainable Income from $50 million!!!!

In our CEF-Arb Balanced SIP that would be MONTHLY income of $300,000!

'I've just been told throughout... that the NFL is not for long,' said Gronk.

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