Investing for Retirement

When you are in your 20s, retirement might very well be the last thing on your mind. That being said, you should start investing for retirement right when you start earning money. This is one financial move that is absolutely brilliant. The reason for this is a nifty little thing that is known as compounding. Compounding is what happens when the interest you earn on your investments keeps earning even more interest every year.

Let’s take a quick look at a few of the things that you might consider investing in to secure your retirement.


According to BitVest, in the next few years, there will be more than 4 million bitcoin, or $2 million, mined by those who choose to invest in Bitcoin mining. Because of revenues of this nature, there has been an explosion in computational speed and power that is unparalleled. The infrastructure that is being constructed in an effort to support Bitcoin digital currency, as well as the Blockchain, is being driven currently by Silicon Valley’s intellectual elite. They have partnered with quite a few of the Venture Capital investors who are Wall Street’s most successful as well as entrepreneurs across the globe who are tech savvy.

If you want to invest in Bitcoin mining, now is the time to check out Genesis Mining.

Real Estate

If you want to add diversity to your retirement investments – and you should so as not to put all of your eggs in one basket – then you might want to invest in a bit of real estate. Aside from being able to bring you money for retirement, rental property can provide you with a source of income that is stable right now. However, rental property does have its drawbacks too. You need to keep up with maintenance on the properties, and you need to find renters who will pay on time and take care of the place too. Before you invest in a rental property, there are some things that you need to consider. These will be things like the potential expenses that will be incurred while you own it, and the vacancy rates, since there is not any property that will be occupied 100% of the time.


One of the best investments for a strong retirement is an annuity. Annuities can be looked at as a sort of insurance rather than an investment. The thing is, their entire purpose is actually to produce income and income, which is exactly what you will need in retirement. There are different types of annuities. With the immediate type of annuity, you will be ensuring your income in the future. You will make a lump sum payment and then the insurance company will provide you with an income that is guaranteed for life. This guarantee will be just as strong as is the quality of the company that has issued it.


When you decide to purchase a bond, what you are actually doing is making a loan to the government, a municipality, or a corporation. The entity that is borrowing this money from you will agree to pay interest on it for a predetermined amount of time, and then when the bond has matured, the principal will be given back to you. The yield, or income from interest, that you get from a bond can be used as a steady stream of income when you retire.

Mix Stocks in with the Bonds

Some people prefer to mix a bit of stocks in with their bonds. The mix percentage will be varied, depending on how safe you feel with the stocks you choose. Some people feel that a 50 – 50 mix is a bit on the aggressive side, while others might feel that particular percentage is a bit conservative. The critical thing is to find a mix of the two that will give you returns that are high enough to give you enough income while not making you subject to losses that are so significant that you will lose your nest egg. This is also something that you might want to take a look at every couple of years to ensure that your risk isn’t becoming too great throughout your retirement.

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