Your Survival Guy

Preparing your investments and family for when disaster strikes.

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Your Retirement Life: Parents, do You have an Investment Plan?

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By Image Point Fr @ Shutterstock.com

If you’re a parent, don’t be upset with me for asking: Do you have an investment plan? Because I get it. You’re busy. Between dealing with homework, sports and summer, there’s not much time. But there needs to be.

When you find yourself doing the math to remember how old you are, you might be at a point where some financial housekeeping is in order. Time slips away, fast. And it would be a terrible thing to waste when you can make some solid moves today to put your retirement on solid ground.

For example, when you’re younger and still reading to your children before bedtime, you’re probably too young to own bonds. But when you find yourself going to bed before the kids, it’s certainly time to start thinking about bonds. Why? Because as the kids get older, your peace of mind becomes a rare commodity.

And when peace of mind is more difficult to come by, having some bonds will go a long way to improving it, especially when it comes to your money.

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E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zilldjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com