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Hamptons.com
June 3, 2013

Retirement Income Strategies In A Low Interest Rate Environment

Rocco A. Carrieroby Rocco A. Carriero
in Real Estate
Home Real Estate

It’s no secret that generating income in retirement is not as easy as it used to be. We’ve experienced a dramatic decline in interest rates over the past 30 years. According to data published by the Federal Reserve Bank, a 10-year U.S. Treasury note (at constant maturity) yielded just under 11 percent in June 1983, 30 years ago. By June 1993, that same bond yielded 5.96 percent, and it kept trending lower to 3.33 percent ten years ago in June 2003.

Yet today’s yield on the 10-year Treasury, in the 2 percent range, pales in comparison. In other words, an individual investing $100,000 in a U.S. Treasury note in April when interest rates were 1.76 percent would receive about $147 per month in interest income. That same investment would have earned in excess of $900 per month in 1983, more than five times the cash flow a 10-year Treasury note generates today.

Finding Higher Income

There are few signs that Federal Reserve policy or federal government actions will do much to alter the interest rate environment in any significant way in the near future. While it seems reasonable to expect interest rates to, at least gradually, move higher from today’s historically low levels, the timing and severity of such a move is hard to predict.

Retirees or those entering retirement need to look at income strategies differently today. Some solutions could include:

A “Bucket” Approach

Consider setting aside 2 to 3 years’ worth of income in cash or cash equivalent assets. This is money that will not earn much return (if any), but will be readily available to meet income needs over the near term without risk of loss. The rest of your assets could be invested within your risk tolerance in a well-diversified portfolio. Though no strategy is perfect, this balance can help a retiree meet short and long term expenses.

Seek Investments That Can Generate Higher Income

You likely have different goals for various investments, so while investing in some more conservative investments make sense, you may hope to generate more income in others. To generate income, there are a variety of options to consider, but investors should take great care in doing so. It’s worthwhile to explore different ways to enhance yields you earn from your portfolio, but it should be accomplished by building a diversified mix of assets that are suitable for your risk tolerance. It’s generally wise to avoid putting all or most of your money into a single investment to provide an income stream. A financial professional can help you understand and review all of your options and help you design an effective strategy for your circumstances and risk tolerance level.

Annuities

You may want to dedicate a portion of your assets to an annuity that can provide a stable stream of income independent of market conditions. Consistent with the market as a whole, annuity payout rates are lower today than they once were, so this may not solve all of your cash flow needs, but an annuity can help make sure that you have a sufficient income stream to pay essential living costs in retirement. Note that any guarantees, including income, are subject to the claims paying ability of the issuing company.

Cutting Back On Expenses

Finding ways to generate income is usually only part of the solution for investors. Many retirees today are experiencing a reality check about their lifestyles. In today’s environment, it may be necessary to determine trade-offs you’re willing to make to afford the essential and lifestyle expenses you need and want.

Planning for retirement is complicated so no matter how you choose to invest, do your homework to make sure you understand all of your options and the risks and opportunities associated with current market and economic conditions. Consider meeting with a financial professional that can help you define your risk tolerance and help you prepare for retirement based on your individual goals and circumstances.

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Classic Italian Fare And Film At Solé East Benefiting Montauk Playhouse Community Center Foundation

Classic Italian Fare And Film At Solé East Benefiting Montauk Playhouse Community Center Foundation

  • The Animal Rescue Fund of the Hamptons (ARF Hamptons) hosted the Bow Wow Meow Ball in East Hampton. The evening’s honorees, Ellen and Chuck Scarborough, were presented with the Champion of Animals Award, recognizing their more than twenty-five years of support to ARF. ⁠
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Over 400 guests celebrated ARF’s remarkable work with cocktails, followed by dinner catered by Olivier Cheng. Peter Marino, accompanied by his daughter and ARF Board Member Isabelle Trapnell Marino, presented the Scarboroughs with their award. ⁠
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📸: Patrick McMullan/PMC⁠
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Check out the full gallery at Hamptons.com (Link in Bio)⁠
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#arf #bowwowmeowball #hamptons #animalrescuefund #animalrescue
  • Make sure to add this event to your list for next summer
#Seafood #localeats #mtk #montaukgreen
  • I recently toured the new Rolex Boutique by London Jewelers in East Hampton, and it’s one of the most beautiful retail spaces I’ve ever stepped into. Located on Newtown Lane, the boutique is set inside a restored historic home that dates back to 1897, originally designed as a summer cottage.⁠
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From the outside, it has that classic East Hampton charm, cedar shingles, white trim, and lush landscaping. But once you step inside, it’s all about quiet sophistication.⁠
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The space is warm and welcoming, with walnut wood paneling, soft neutral tones, and beautiful textures throughout. There’s a fluted marble wall in a rich green Verdi Alpi stone that immediately catches your eye. It’s one of those details that’s understated but unmistakably Rolex.⁠
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Read the full article at Hamptons.com (Link in Bio)⁠
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#rolex #easthampton #hamptons #luxury #watch⁠
  • 🎾 Men’s US Open Final Viewing Party⁠
📅 Sun, Sept 7 • 2–5PM⁠
📍 Canoe Place Inn, Hampton Bays⁠
Watch the riveting Men’s US Open Final with drinks, grilled classics & fellow tennis fanatics in the lush garden.⁠
⁠
🦞 Montauk Seafood Festival⁠
📅 Sat, Sept 6 – Sun, Sept 7 • 12–5PM⁠
📍 On the Green, Montauk⁠
The ultimate seafood event in the Hamptons! Lobster rolls, fish tacos, chowder, oysters & more 🐚🍤⁠
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🩰 Master Class w/ Kat Wildish⁠
📅 Sat, Sept 6⁠
📍 Hamptons Ballet Theatre School, Bridgehampton⁠
Open-level adult ballet class with world-renowned former NYCB & ABT dancer Kat Wildish. One day only!⁠
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🎶 Hamptons Festival of Music⁠
📅 Sat, Sept 6 • 7PM⁠
📍 St. Luke’s Episcopal Church, East Hampton⁠
THFM’s MainStage Festival Orchestra featuring The New American Sinfonietta 🎻✨⁠
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🌾 Outstanding in the Field (Sagaponack)⁠
📅 Sun, Sept 7 • 3PM⁠
Dine where the food is grown! Guest chef Jason Weiner returns for his 19th year 🍽️🌱⁠
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😂 Samantha Bee Live⁠
📅 Sat, Sept 6 • 8PM⁠
📍 WHBPAC, Westhampton Beach⁠
Award-winning comedian Samantha Bee brings her one-woman show to the Hamptons!⁠
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🍴 Stirring The Pot: Andrew Carmellini⁠
📅 Sun, Sept 7 • 11AM⁠
📍 Guild Hall, East Hampton⁠
NYT’s Florence Fabricant interviews star chef Andrew Carmellini about his restaurant empire.⁠
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🌕 Full Harvest Moon Hike⁠
📅 Sun, Sept 7 • 7:30PM⁠
📍 Meet at SOFO Museum, Bridgehampton/Sag Harbor Tpke⁠
Walk under the moonlight with Friends of the Long Pond Greenbelt 🌙✨⁠
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🎨 Style Beading Workshop⁠
📅 Fri, Sept 5 • 1PM⁠
📍 Nathaniel Rogers House, Bridgehampton⁠
Join Indigenous artist Savannah LeCornu to learn traditional beading techniques.⁠
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⛳ A Legendary Day at Sebonack!⁠
📅 Tues, Sept 9 • 8:30AM–5PM⁠
📍 Sebonack Golf Club, Southampton⁠
An unforgettable day of golf supporting Westhampton Beach PAC 🌟⁠
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#community #entertainment #hamptons #usopen #golf #comedy #seafood #montauk
  • Hamptons fashion week was hosted at Zoe Hospitality Private Membership Club, featuring designer Johnny Was, Porshia Swim, Vernice Holmes, Atelier H, Cesar Galindo, SixyByVenice and Ines Hernandez Hats.

#hamptonsfashionweek
  • As the summer comes to an end, it’s time to find out what everyone was reading this summer.
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