Retirement Crisis: Don’t Be Part of the 40% of Americans Who Could Run Out of Money in Retirement

[TradeSmith Daily]( Editor’s Note: As we look ahead to emerging opportunities in 2023, virtually all of the moneymaking ideas shared today are going to be negatively impacted by a market-moving event happening on Dec. 14. I predict that this event could likely trigger a downward spiral. Fortunately, I’ve identified a breakthrough discovery called “pre-crash activity” that gives you an edge even as this bear market plunges. But time’s running out. [Click here]( for a complete explanation of how the knowledge of this discovery could potentially 10x your money, no matter how far stocks fall. But hurry, this may be your last and best chance to survive the market’s “Final Drop.” Retirement Crisis: Don’t Be Part of the 40% of Americans Who Could Run Out of Money in Retirement Life for our ancestors was short and full of pain; you were considered to have lived to a ripe old age if you reached the age of 30 in 1770. But since the 1770s, breakthroughs in health care and medical technologies as well as better access to essentials such as water, nutritious foods, and proper shelter have propelled the average life expectancy across the globe to 72.98 in 2022. We’re living longer than ever before, but most people are not thinking about how this means they may need more money than expected to ensure that their golden years can stay golden. Only 63% of Americans are reportedly saving for retirement, and 27% of Americans have less than $50,000 in retirement savings. What’s even worse is that a projected 40% of Americans are at risk of running out of money in retirement. It’s scary to think about, so all too often, people simply ignore it. Then they end up not having enough money for retirement or letting emotion get the best of them and spending their last dollars on speculative stock market bets. Unfortunately, those people end up even further behind and losing what little they had. Fortunately, you have TradeSmith at your disposal to aid you in making the right moves now so that you don’t spend each night in retirement tossing and turning, worrying about the state of your financial health. RECOMMENDED LINK [$2 Crypto Could Corner a $30 Trillion Market]( The future of finance is digital. That’s one truth both Democrats and Republicans can agree on. And as midterm elections come down to the wire, this crypto expert predicts an incredible opportunity for shrewd crypto traders. He picked Bitcoin before it gained as much as 18,542%... and Ethereum before it shot up by an unheard of 69,771%. But astoundingly... The biggest winner he sees ahead is 8,000 times smaller than Bitcoin — and trading for just $2. Don’t miss your turn to bank historic gains from this revolution. [Get all the details now]( I talk a lot about being a “real investor,” and whether you’re nearing the age of retirement or you’re still a few years off but want to make sure you have a nest egg set up, [I encourage you to check out these seven investing rules that I shared earlier in the year](. My hope is that they can provide a jumping-off point for you to have a deeper discussion with yourself about your current financial health, what needs to be done to improve it, and where you ultimately want to be with your finances by the time you retire. In addition, my friend and TradeSmith Senior Analyst Mike Burnick has an incredibly powerful concept to think about when you’re planning ahead for retirement. Mike says that you should own something called “pay me now” stocks. These are companies that are making money in the here and now and can pass that money on to their shareholders in the form of dividend payouts. With companies that offer reliable dividend payouts, you can build that income stream into your retirement plan, and you can even reinvest those dividends to own more shares of the company and earn an even higher dividend payout. If you’re looking for some strong “pay me now” stocks to add to your portfolio, a great place to start is an elite class called the Dividend Aristocrats. Not just any old dividend stock makes the cut. To qualify as a Dividend Aristocrat, a company must: - Be a part of the S&P 500 — a symbol of prestige because investors use the S&P 500 as a benchmark for the health of the overall stock market. - Pay and raise its dividend for 25 straight years — a sign of commitment from the company as well as financial health. - Have a minimum market cap of $3 billion — a sign that a company has an established business with a long operating history. - Have average daily trading volumes of at least $5 million — ensuring that there are people who would want to buy your shares if a time comes when you’d want to sell them. If a regular dividend stock offers a feeling of security, Dividend Aristocrats offer that feeling on overdrive. And with our Health Indicator, we can get even more granular and tell you which are considered stocks to own now. Dividend Aristocrats Company Ticker Dividend Yield as of 11/17/2022 Health Indicator Genuine Parts Co. GPC 2% Green Zone PepsiCo Inc. PEP 2.57% Green Zone Aflac Inc. AFL 2.38% Green Zone Dividend Aristocrat Snapshot No. 1: Genuine Parts Co. (GPC) In a time when folks are pinching every penny and possibly delaying major purchases, Genuine Parts Co. stands to benefit with its car maintenance supplies and auto repair services. Having a functioning vehicle is nonnegotiable for most people, so rather than forking over thousands of dollars for a new ride when issues pop up, many people will resort to fixing what they already have. NAPA Auto Parts is one of Genuine Parts’ most well-known brands, offering everything from motor oil to seat covers to floor mats. GPC also has more than 25,000 global repair center partnerships, including 19,500 NAPA North American AutoCare Centers. While the S&P 500 has dropped nearly 18% this year, GPC has gone in the opposite direction, climbing nearly 30%. GPC shareholders have fared well in 2022 during a tough economic time, which is important to know as a forward-looking investor if we were to enter a recession. Dividend Aristocrat Snapshot No. 2: PepsiCo Inc. (PEP) In addition to being a Dividend Aristocrat, PEP is a sterling example of what Senior Analyst Mike Burnick calls a “money never sleeps” stock. “Money never sleeps for PEP shareholders because every minute of every day, 365 days a year, somebody, somewhere in the world, is buying a bag of Ruffles, Fritos, or Doritos chips. And they are reaching for an ice-cold Pepsi or Mountain Dew to wash it down with. YOU as a shareholder get a little piece of every sale in the form of growing dividends,” Mike says. Known for its soda and snack brands, PepsiCo has also been working on selling healthier food and beverage options to reach a broader audience. By 2025, the company plans to have reduced sugar in its beverage portfolio and reduced sodium and saturated fat in its food portfolio. RECOMMENDED LINK [This one trade could pay you $1,000]( It’s time to QUIT... Quit buy and hold investing now! It's dead! And start using this new income strategy my team has developed. It’s one easy-to-follow trade (repeated three times per month) that could pay you an extra $1,000 or more every single month. I walk you through it in [this new video I just recorded](. Dividend Aristocrat Snapshot No. 3: Aflac Inc. (AFL) When folks are looking to cut costs, they aren’t looking to cut a necessity, like home or auto insurance. Homeowner’s insurance can protect people from life-altering financial losses, and auto insurance can help you avoid jail time, license suspension, and excessive fines and fees. And while Aflac collects income every single day of the year from insurance payments, it will only have to put out if and when there are claims. It has a massive operating cash flow (OCF) cushion of $3.7 billion over the past 12 months, with OCF being an indication of whether a company can generate enough money to maintain and grow its business. If a company can’t generate sufficient positive cash flow, it may need to borrow money, which is especially an issue when rates are higher. So, if a recession were to arise, you know that Aflac has the high-demand products and cash war chest to survive it. Have a great Tuesday, [Keith Kaplan]Keith Kaplan CEO, TradeSmith P.S. As we look ahead to emerging opportunities in 2023, one millionaire crypto expert believes results of the recent midterm elections point to massive momentum pouring into cryptocurrencies. He’s predicting incredible profit opportunities for shrewd crypto investors, with one tiny $2 coin, 8,000 times smaller than Bitcoin, tapped to be the biggest winner of all. [Click here]( to learn the identity of this coin and to see complete details on how to position yourself for a chance at huge gains in the coming crypto market shake-up. Best of TradeSmith The chart below represents the best-performing open positions over the last two years, as recommended by our software. [Download now on the Apple Store]( [Get It On Google Play]( [866.385.2076](tel:+866-385-2076) | support@tradesmith.com ©TradeSmith, LLC. All Rights Reserved. You may not reproduce, modify, copy, sell, publish, distribute, display or otherwise use any portion of the content without the prior written consent of TradeSmith. TradeSmith is not registered as an investment adviser and operates under the publishers’ exemption of the Investment Advisers Act of 1940. The investments and strategies discussed in TradeSmith’s content do not constitute personalized investment advice. 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