If youre investing inretirement, youll want to be careful.

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Investing in Retirement?

Here Are 6 Lower-Risk Options to Add to Your Portfolio

1.

Bonds

In simple terms, bonds are debt obligations organizations issue to raise money.

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On the bonds maturity date, you get to collect the bonds face value.

Bonds target return rates vary depending on the duration and throw in of bond.

Generally, the target return rates range between 2% and 6%.

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Compared to other popular investment options such as cryptocurrency or stocks, bonds are much less volatile.

That lack of volatility makes them less likely to experience significant fluctuations in value.

Heres why: Unlike stocks, investing in bonds does not give you ownership rights.

Some of the most common types of bonds include corporate, municipal and treasury bonds.

Where youll make your purchase depends on the pop in of bond you want to invest in.

Their target return rate usually ranges from 3% to 6%.

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4.

Because each TIPS principal value is indexed to inflation, its value adjusts with rising prices.

Your interest payment will also be based on the adjusted amount.

If you want your investments to keep up with inflation, Treasury Inflation-Protected Securities are worth considering.

TIPS are issued with maturities of five, 10 and 30 years and pay cash interest semi-annually.

Preferred Stocks

Another low-risk investment option to explore during retirement is preferred stock.

While not guaranteed, a preferred stocks dividend payments are prioritized over common stock dividends.

Its priority also extends to bankruptcy.

If a company goes under, preferred shareholders will be paid out before common stockholders.

Drowning in Expenses?

Maybe youre scrambling after your car broke down.

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