This essay focuses on investing for retirement. The Scriptures makes many references to charging or producing interest.  A related term in some versions of the Bible is “usury.”   Notice that in some instances it is forbidden, in others it is endorsed.

investing for retirement

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The Scriptures makes many references to charging or producing interest.

A related term in some versions of the Bible is “usury.”

Notice that in some instances it is forbidden, in others it is endorse.

Firstly,  What kind of percentage rates are mentioned?

Secondly,   Are these passages in conflict with each other?

Thirdly,   Is there a balance view of interest that Scripture is professing?

In addition, How does this relate to the subject about investing for retirement?

Your response(s) should comply with the formatting, content, and word count guidelines,

along with the style manual requirements, indicate in the syllabus.

Review the grading rubric provide for this discussion forum to ensure the best outcomes for your dialogue assignment.

way to create retirement income

One common way to create retirement income is to construct a portfolio of stock and bond index funds (or work with a financial advisor who does this).

The portfolio is design to achieve a respectable long-term rate of return, and along the way,

you follow a prescribe set of withdrawal rate rules that will typically allow you to take out 4-7% a year,

and in some years, increase your withdrawal for inflation.1

The concept behind “total return” is that you are targeting a 10- to 20-year average annual return that meets or exceeds your withdrawal rate.

Although you are targeting a long-term average, in any one year your returns will deviate from that average quite a bit.

To follow this type of investment approach,

Moreover, you must maintain a diversify allocation regardless of the year-to-year ups and downs of the portfolio.

Further, You take withdrawals using what is called a systematic withdrawal plan.

Lastly, Be cautious of how you project your potential results

Finally, when regular withdrawals are coming out in retirement the sequence of market returns can affect your outcome.

There are many variations to a total return investment strategy such as time segmentation

asset-liability matching, where safe investments are use to meet near-term cash flow needs,

growth-orient investments are use to fund future cash flow needs.