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Rated 'R' For Retirement: 5 Long-Term Investment Ideas For Nurturing Your Nest Egg

 

July 27, 2018 (Investorideas.com Newswire) When you're waking up early and knocking-off late, it's easy to find yourself longing for the sweet release of...retirement. But how much thought have you given to this financial equation? Retiree beware, your financial future may not be as far off as it feels.


Before you know it, you'll be clocking off and heading home...but to what? According to the New York Post, the minimum amount the average American requires to retire is upwards of $1.5 Million. Without a suitable pension to fall back on, you may struggle to sustain the quality of life you expect

So if you're concerned all that glitters in your retirement won't be gold, now's the time to take action.

Let's take a look at some of the ways you can invest in your tomorrow, today.

1. Earn passive income with Peer-2-Peer lending

Source: www.theasianbanker.com

Peer-2-Peer lending is a relative newcomer to the financial scene, having stepped in to meet the demand left by banks, credit unions, and other financial institutions that retreated during the financial crisis in '08.

As the name suggests, Peer-2-Peer loans match members of the community with money to lend - that's you - with those looking for a loan. With minimal overhead and fees, it's an exciting new prospect for savvy investors such as yourself. Add to this the opportunity to collect payments monthly via loan repayments and interest, and Peer-2-Peer can provide a great source of passive income now and into the future.

Down to the thing that matters, the numbers. What do they say? According to the experts, returns between 7-9% are pretty common for this new form of investing which continues to show promising growth.

For the savvy investor wanting to look past run-of-the-mill investment options like a simple savings account or fixed term investments, opening an online, taxable account with a Peer-2-Peer lender couldn't be easier. What's more, you'll have access to a range of investment options - riskier with higher interest, or low-risk with a lower reward - so how and who you invest in is entirely up to you.

2. Plan for the future with property and real estate


The prospect of long-term capital growth as well as the option of additional revenue streams makes investing in property a popular option for many. This is especially true if you're looking to make long-term investments that'll last a lifetime. Like your retirement, perhaps?

Whether you're supplementing your current income with a high cash-flow property, or investing in something you can add value to over time, the right property offers investment options to suit most any need.

That said, the major barrier to entry is - and will likely remain - the need for a large sum of capital in order to make that initial investment, but there are plenty of ways to approach financing your first real estate investment if you're dedicated. In fact, borrowing money for the first time needn't be scary.

Investing in property also carries inherent risk, but it doesn't have to. You may want to consider real estate investment trusts (REIT), for example. Don't forget that your own home is also an investment, of sorts. If you have equity in your home, a reverse mortgage should be considered when finding ways to fund your retirement.

3. Buy low and sell high with stocks and shares

Chances are you've been given the hard sell on stocks and shares more often than those stocks and shares are sold each and every day. Yes, it may be a predictable pick, but there's a reason so many experts suggest they form part of your diverse portfolio.

As with any investment, investing in stocks and shares doesn't come with a guarantee. That said, if you consider that you're investing over a long period of time for your future retirement, then you're in the best position to ride the rollercoaster that is the volatile market and record a high return as the years go by.

4. Stay on your feet with your own franchise


Investing in a franchise

You don't need to be into tech or under 25 to be considered an entrepreneur. In fact, many retirees are choosing to buck the trend and use this free time as an opportunity to chase their dreams and do more with their lives instead of retiring to the rocking chair.

If you've ever dreamed of being your own boss but you don't have the business expertise to match, investing in a franchise is a relatively safe choice that you may want to consider. Commonly referred to as 'formula entrepreneurs', investing in a franchise sees you taking someone else's methods and systems, and then executing on them without any major deviations.

In exchange, you'll receive a ready-made business model, as well as training, guidance, and support. One thing you will need to consider is which franchise you invest with, and what their openings, closings, transfers, and terminations history looks like. For this information and more, you'll need to refer to their Franchise Disclosure Document.

5. Cash in with commodities

Commodities such as gold, metal, as well as new players like Bitcoin were once considered a fringe investment for the adventurous few, but they're now an increasingly common option for mainstream investors looking to offset the volatility of bonds and stocks.

It's said that commodities tend to move in long-term cycles of 10 to 18 years, often negatively correlating to the state of the share market at the time. That is, when shares go down, commodities usually go up. They can also help you through tough economic times, as they perform at their best when inflation is high.

Opening an account and trading futures contracts was once the go-to way to invest in commodities, but the act of speculating rather than investing can be risky if you're not sure what you're doing. If you're willing to take a gamble, this process sees you agreeing to buy a certain amount of a given commodity on a set date, and then attempting to on-sell that contract before it's due.

If commodities have sparked your interest but you'd prefer a safer, hands-off approach then managed futures or mutual funds that invest in commodity-related businesses may make for a far more reliable way to diversify your portfolio. So long as you do your research and read up, as with any investment option, the opportunity for great returns for your retirement are well within reach.

Now's the time to nurture your nest egg

Whether you're just embarking on your journey through your working life or that fateful day is well on its way, it's never too late to invest in yourself and your financial future. Smart decisions today can set you up for life, and ensure you're not leaving your best years behind you, but rather guaranteeing that they're ahead of you. Nurture that nest egg well and by the time you're ready to retire, you won't be left on struggle street.

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