Consider Investing For a Debt Free Retirement


Start preparing in advance for a debt free retirement by preparing an investment plan. This requires a good deal of discipline because it means setting aside funds for retirement that might be used for a fancy vacation or nicer car. The real benefit is a more enjoyable retirement and we all want that in our future. There are many types of investment options.

Investing in the stock market is one way and a good option is called market timing, though it may take a bit of research. The basic idea is to place money into funds that are about to hit an upswing and then to remove the money before the market price goes down. In theory this would allow a person to hit all the highs and avoid all the lows. The problem with this approach is that on average it is not very effective and people do not generally remove or add money at the right time. Generally, people get the opposite effect than they are trying to achieve. They end up buying high and selling low. It is prudent to monitor trends and events and occasionally adjust your portfolio accordingly. However, attempting to continually time the market is difficult at best.

The best strategy to grow your money and stay debt free is to make consistent investments over a long period of time. Here is an example to illustrate this point. During a 30 year period from 1963 to 1993 the average annual market return was almost 12 percent.

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