Pros & Cons of Alternatives in Your IRA, Are You Afraid to Retire?, Special Life Insurance for High Incomes

Should I Pay Off My Mortgage When I Retire? | Life Insurance Can Provide Flexibility for High Incomes | What to Do When Your Brokerage Merges Created for {EMAIL} | [Web Version]( August 13, 2023 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [Twitter]( [Building Wealth]( [Youtube]( [Building Wealth]( [SIGN UP]( ⋅ [WEBSITE]( [] Real Estate [] [Should I Pay Off My Mortgage When I Retire?]( [Should I Pay Off My Mortgage When I Retire?]( (Getty Images) The answer for you depends on your interest rates and where you would pull the money from to do it. CFP Evan T. Beach goes through some [scenarios to help work it out](. [] Insurance [] [Life Insurance Can Provide Flexibility for High Incomes]( [Life Insurance Can Provide Flexibility for High Incomes]( (Getty Images) A [high cash value life insurance policy]( can facilitate tax-advantaged growth that standard retirement accounts may not be able to match. Financial consultant Brian Skrobonja explains how it works. [Take Advantage of High Rates With This Investment]( An easy, low-risk way to take advantage of higher rates is by creating a ladder of certificates of deposit (CDs) that allows you to lock in today's competitive rates while providing some flexibility. [READ MORE]( ADVERTISEMENT [] Investing [] [What to Do When Your Brokerage Merges]( [What to Do When Your Brokerage Merges]( (Getty Images) Brokerage mergers, such as Charles Schwab's acquisition of TD Ameritrade, raise plenty of questions among customers. Here's [what you need to know]( about such transitions, courtesy of investment adviser Brianna Gutierrez. [] Saving for Retirement [] [Pros and Cons of Adding Alternatives to Diversify Your IRA]( The potential for higher returns from alternative investments such as real estate and private equity comes with some risks, according to financial expert Tory Reiss. Are they right for you? [Read More]( [What's Your Risk Tolerance?]( Our advisors will assess your risk tolerance, create a comprehensive financial strategy, and recommend investments based on Vanguard's time-tested strategies. [Take the first step today](. Paid non-client promotion [GET STARTED]( ADVERTISEMENT [] Retirement Planning [] [Are You Afraid to Retire Even Though You Can Afford To?]( Actually retiring may be the hardest part about retirement. If you've got cold feet, here are some ideas from CFP Kara Duckworth to make retirement the next step in a journey, rather than a final destination. [Read More]( [See Returns of Real Estate Investments Here]( Commercial real estate (CRE) can hedge against inflation and market gyrations plus provide investors with a steady monthly income stream. And today it's easier than ever for smaller investors to access the CRE marketplace. [LEARN MORE]( ADVERTISEMENT [] Also on Kiplinger [] - The [magic mortgage rate number]( to tip the housing market - Thinking you are a [mind reader]( could cost you - Are [CDs a good investment]( in 2023? - For the latest ways to earn 5% to 7% cash yield safely and reliably, plus 4 Model Portfolios to show you exactly where to put your money, [bank on Kiplinger's Investing for Income](. ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. Kiplinger is a trusted provider of unbiased financial advice, objective business and economic forecasts, and practical help to millions of business professionals, investors, and individuals seeking to make more profitable decisions with their money. Our [flagship publications]( include [Kiplinger’s Personal Finance]( magazine, [The Kiplinger Letter]( [The Kiplinger Tax Letter]( [Kiplinger’s Retirement Report]( and [Kiplinger’s Investing for Income.]( All are regarded as the leading publications in their respective fields. Every day, millions of readers rely on our [free e-newsletters]( for help on everything from getting the best rate on a mortgage or car loan, to managing their businesses in an uncertain world, avoiding an IRS audit, building wealth for a secure retirement, or investing wisely in any kind of market. Now it’s your turn to reap all the rewards Kiplinger has to offer. Visit [Kiplinger.com](, your gateway to all of the above and much more. Check in any time for our latest advice on how to make more money, and keep more of the money you make. Stay right on the money, with Kiplinger. [Sign Up]( | [Print Publications]( | [Unsubscribe]( [Privacy Policy]( | [Cookies Policy]( | [Terms and Conditions]( CONTACT US: [FEEDBACK](mailto:alerts@kiplinger.com) | [ADVERTISE]( Future US LLC © Full 7th Floor, 130 West 42nd Street, New York, NY, 10036