Retirement Income Planning - How Low Can Interest Rates Go?

Many financial industry professionals agree that interest rates have a strong probability of being held low for the next several years. This prospect makes it very hard on the people who have been depending on the interest earned on their CDs and other type of insured investments to supplement their income. It is not unheard of for rates that used to be around 5% to have fallen to levels lower than 1%. Returns that used to provide a nice supplement to social security and pension income have now fallen even below the rate of inflation.

Planning for the future income can be challenging as volatile markets and declining interest rates can put even a well thought out plan at risk. There still are different investment vehicles available that can help address these challenges. Each one has its own particular set of strengths and weaknesses and the old adage of "One size doesn't fit all" certainly applies here.

Here to Help

Our CFS* Financial Advisors Denis Adams and Stephen Seewer can help you evaluate if any of these various choices such as fixed income products, structured products, estate bonds, mutual funds, risk adjusted managed accounts, or annuities might be able to provide you with the income that you need for a comfortable retirement.

It might be worth it for you to at least know what the various options are. If you do have an interest in learning more please contact either Stephen at 415-674-4846, or Dennis at 415-674-4845. They would be happy to spend time with you to help you evaluate your options and make recommendations based on your current goals and future needs.

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The credit union has contracted with CFS to make a non-deposit investment products and services available to credit union members.