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Commentary: The market in inflation-adjusted terms paints a sobering picture

That puts the market in a ???make or break??? position. On the one hand, it would be a sign of significant strength if the market were able to break through the ???resistance??? created by the 2000 and 2007 tops.

On the other hand, if the market were to turn down from close-to-current levels ??? and thereby form a triple top ??? then it would mean that the market on three occasions had tried, and failed, to break through to higher levels. According to the theory behind technical analysis, that would mean that current levels represent particularly strong resistance ??? and make it that much harder for the market to break through in the future as well.
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Whether you are currently retired or planning for retirement, there are five cardinal rules investors must follow to provide a stress-free retirement.

There is an investment product that will achieve all five of these rules, automatically. Although it has been around for almost two decades, many haven???t heard of it. It is called the Fixed Indexed Annuity (FIA), and it has a proven track record so your retirement plan will navigate smoothly through your retirement years. It???s like putting your car on cruise control. So, let???s examine the FIA under a microscope to understand its role as the ???financial spoke??? of a retiree???s complete ???retirement wheel.???

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Deferring Benefits Can Yield a Significant Advantage

Know how to get a great deal on an annuity today? Tap your 401(k) or IRA for living expenses in your first few years of retirement so you can postpone taking Social Security.

Most people start their Social Security benefits as early as possible, at age 62, or at least by their “normal” retirement age, which is the age when they’re entitled to “full,” or unreduced, benefits (currently 66 or 67 years old, depending on when you were born).

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If you haven’t noticed, bond interest rates have been inching up over the past year. The U.S. Treasury 10-year index hit a 52-week high of 2.83% on Friday, up 1.29%, or 84%, from the 52-week low of 1.54% on Aug. 31, 2012.

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NEW YORK (MainStreet) – A gigantic market of investors is seeking assistance. 401(k) participants say their main goal is to have a secure stream of income in retirement, and they’re looking for help to achieve that, according to a survey by State Street Global Advisors (SSgA).
Most of the survey participants (80%) believe that a guaranteed monthly payout benefit is a “must have,” even if it means compromising some access to their retirement savings.

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