Investment Choices Near Retirement
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In today’s ever expanding market, there is no dearth of investment options for investors, irrespective of the size of their portfolios. With financial advice more streamlined than ever before, it is extremely easy these days to pick and choose the investment plans that suit you the best, so that you can look forward to a relaxed and enjoyable retirement.
Let us start with the investment option that offers the biggest gains and comes with the highest degree of risk -- the stock market. For a person who is looking at a nice nest egg for retirement, it will be a wise move to go with a more conservative approach, as far as the stock market is concerned. Discuss with your financial advisor and decide on the amount of risk that is healthy for you.
Choose your industries and companies carefully and do not make any impulse buys. If you are planning to dabble in the international markets, study the risk factors closely before investing your hard earned money. You need to also understand the difference between emerging markets and markets in developing countries.
If you are the kind of investor who likes taking risks, there are a number of alternative investment options for you to look at, like private equity, equity real estate and hedge funds. These kinds of investments operate on a 'non-correlated' return format, which means the returns on your investment do not depend on the overall performance of the market. You must remember that these are again very high risk investment options, and you may have to be an ‘accredited investor’ to take part in these schemes.
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