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We spend most of our working lives contributing money to retirement accounts but what about taking it out in retirement? If you have pre-tax, Roth, and taxable accounts, how much should you withdraw from each one? Here are some things to consider:
1) How much can you safely withdraw? The safest option is to only withdraw earnings and not touch any of the principal but at current dividend yields and interest rates, don’t expect to get much more than about 2% of your portfolio. That’s probably not enough for most people and that number can fluctuate and may not keep pace with inflation in the long term.
The traditional rule of thumb is that you can safely withdraw about 4% of the initial value of a diversified portfolio and increase that amount with inflation for about 30 years. However, the rule was developed during the 1990s when interest rates were higher and many financial experts (including the financial planner who created it) are concerned that the rule is now obsolete. It also doesn’t take into account that you may have to withdraw larger amounts while you still have a mortgage or before you start collecting pension and Social Security benefits so a steady withdrawal rate may not make sense.
Top 5 Safest Stocks To Watch Right Now: ENERGY TRANSFER PARTNERS(ETP)
Advisors’ Opinion:
- [By ]
Plenty Of Upside
After the scale of the tax threat (or lack thereof) was made clear, buyers began to cautiously tiptoe back in. But there is still more upside in this sector than I have seen in the past few years. Take MMP, which is trading around $60 per share. Analysts have a consensus price target of $77 which would imply appreciation of more than 28%. Energy Transfer Partners (NYSE: ETP) is looking at upside of more than 50%. - [By Matthew DiLallo]
Energy Transfer Partners (NYSE:ETP) is among the highest yielding companies in the MLP space at nearly 13%. That’s mainly due to the market’s fears that the company’s distribution isn’t sustainable because of its weaker financial metrics. While those numbers have improved in recent quarters, they still have a way to go.
- [By ]
Our Best Shot At Easy Income
While the entire sector could be a “buy,” Energy Transfer Partners LP (NYSE: ETP) is of particular interest. The chart below shows the shares fell sharply when the FERC ruling was released and continued drifting lower before starting to recover. - [By Matthew DiLallo]
After facing several challenges over the past few years, Energy Transfer Partners(NYSE:ETP) has turned things around, which was evident in its first-quarter results. Earnings and cash flow jumped thanks to recent project completions, while a string of asset sales and other strategic financing initiatives have helped bolster its balance sheet and ability to fund additional growth projects. While the company still has some work to do before all its issues are in the rearview mirror, it’s certainly heading in the right direction.
Top 5 Safest Stocks To Watch Right Now: Internationa Flavors & Fragrances, Inc.(IFF)
Advisors’ Opinion:
- [By Dan Caplinger]
Monday was a positive day on Wall Street, with market participants being generally pleased with news that crude oil pushed above the $70-per-barrel mark before falling slightly below it. That helped lift the energy sector up, although some other concerns held back certain other sectors, limiting gains in most major indexes to less than 1% on the day. Moreover, some companies made announcements that were ill-received by the market. International Flavors & Fragrances (NYSE:IFF), Tower Semiconductor (NASDAQ:TSEM), and Dentsply Sirona (NASDAQ:XRAY) were among the worst performers on the day. Here’s why they did so poorly.
- [By Lisa Levin]
Breaking news
International Flavors & Fragrances Inc. (NYSE: IFF) reported upbeat earnings for its first quarter and agreed to acquire Frutarom for $7.1 billion.
Mondelez International, Inc. (NASDAQ: MDLZ) announced plans to acquire Tate's Bake Shop for $500 million.
ynchronoss Technologies, Inc. (NASDAQ: SNCR) reported a deal to buy honeybee.
DENTSPLY SIRONA Inc (NASDAQ: XRAY) reported Q1 adjusted earnings of $0.45 per share on sales of $956.1 million. The company updated its 2018 adjusted earnings guidance to $2.55 to 2.65 per share. - [By Max Byerly]
International Flavors & Fragrances, Inc. (NYSE:IFF) – Equities research analysts at KeyCorp boosted their Q2 2018 EPS estimates for shares of International Flavors & Fragrances in a research report issued to clients and investors on Monday, May 7th. KeyCorp analyst M. Sison now expects that the specialty chemicals company will post earnings of $1.58 per share for the quarter, up from their prior estimate of $1.56. KeyCorp has a “Overweight” rating and a $156.00 price target on the stock. KeyCorp also issued estimates for International Flavors & Fragrances’ Q3 2018 earnings at $1.58 EPS.
- [By Lisa Levin]
Some of the stocks that may grab investor focus today are:
Wall Street expects Sysco Corporation (NYSE: SYY) to report quarterly earnings at $0.64 per share on revenue of $14.34 billion before the opening bell. Sysco shares rose 0.18 percent to close at $62.29 on Friday.
Analysts expect Tyson Foods, Inc. (NYSE: TSN) to report quarterly earnings at $1.32 per share on revenue of $9.89 billion before the opening bell. Tyson shares rose 1.39 percent to close at $66.97 on Friday.
International Flavors & Fragrances Inc. (NYSE: IFF) reported upbeat earnings for its first quarter and agreed to acquire Frutarom for $7.1 billion. International Flavors shares dropped 5.03 percent to $135.00 in pre-market trading.
Before the opening bell, Louisiana-Pacific Corporation (NYSE: LPX) is projected to report quarterly earnings at $0.67 per share on revenue of $692.63 million. Louisiana-Pacific shares gained 2.09 percent to close at $28.32 on Friday.
Analysts are expecting Willis Towers Watson Public Limited Company (NYSE: WLTW) to have earned $3.01 per share on revenue of $2.23 billion in the latest quarter. Willis Towers Watson will release earnings before the markets open. Willis Towers Watson shares gained 0.98 percent to close at $148.91 on Friday.Find out what's going on in today's market and bring any questions you have to Benzinga's PreMarket Prep.
- [By Chris Lange]
The S&P 500 stock posting the largest daily percentage loss ahead of the close Monday was International Flabors & Fragrances Inc. (NYSE: IFF) which traded down about 10% at $127.28. The stocks 52-week range is $126.08 to $157.40. Volume was 3.2 million compared to the daily average volume of about half a million.
- [By Lisa Levin]
Check out these big penny stock gainers and losers
Losers
Tower Semiconductor Ltd. (NASDAQ: TSEM) fell 16.1 percent to $23.10 in pre-market trading after reporting downbeat quarterly results.
Integrated Media Technology Limited (NASDAQ: IMTE) fell 13 percent to $18.00 in pre-market trading after declining 37.37 percent on Friday.
Ability Inc. (NASDAQ: ABIL) shares fell 7.1 percent to $2.61 in pre-market trading.
International Flavors & Fragrances Inc. (NYSE: IFF) shares fell 6.4 percent to $133.00 in pre-market trading. International Flavors & Fragrances reported upbeat earnings for its first quarter and agreed to acquire Frutarom for $7.1 billion.
BHP Billiton Limited (NYSE: BHP) fell 6.8 percent to $45.00 in pre-market trading.
Sibanye Gold Limited (NYSE: SBGL) fell 6.4 percent to $3.23 in pre-market trading after dropping 2.27 percent on Friday.
Spark Therapeutics, Inc. (NASDAQ: ONCE) fell 5.9 percent to $66.52 in pre-market trading after declining 1.15 percent on Friday.
DENTSPLY SIRONA Inc. (NASDAQ: XRAY) shares fell 4 percent to $48.00 in pre-market trading. DENTSPLY SIRONA reported Q1 adjusted earnings of $0.45 per share on sales of $956.1 million. The company updated its 2018 adjusted earnings guidance to $2.55 to 2.65 per share
Top 5 Safest Stocks To Watch Right Now: Navios Maritime Partners LP(NMM)
Advisors’ Opinion:
- [By Ethan Ryder]
Get a free copy of the Zacks research report on Navios Maritime Partners (NMM)
For more information about research offerings from Zacks Investment Research, visit Zacks.com
Top 5 Safest Stocks To Watch Right Now: Enstar Group Limited(ESGR)
Advisors’ Opinion:
- [By Andy Pai]
Akre capital often holds positions for over ten years. As long as a company is able to keep increasing its economic value, the firm will hold a stock. Although the firm is a long-term investor, Akre doesn't attribute its success to ‘buy and hold' investing, but to the quality of the companies they buy. Some of the companies' long-term holdings have included Markel Corporation (NYSE: MKL), Dollar Tree, Inc. (NASDAQ: DLTR) and Enstar Group Ltd. (NASDAQ: ESGR).
Top 5 Safest Stocks To Watch Right Now: Zillow Group, Inc.(ZG)
Advisors’ Opinion:
- [By Motley Fool Staff]
Let’s go to Z and let’s go with Zillow(NASDAQ:ZG). Zillow and Zillow Group. You know, Zillow has about 150 million people who click in on a monthly basis. They’re looking at listings of their house, of other houses in their neighborhood or places that they might want to move. Or just clicking around and looking at celebs’ dream houses. All these things can happen on Zillow but, increasingly, the company is clearly the leader and is the friend of realtors.
- [By Benzinga News Desk]
Wall Street’s favorite regulator is on his way out: Link
ECONOMIC DATA
US April NFIB small business optimism index 104.8 vs 104.5 expected
Redbook Reports US Retail Sales During First Week Of May Up 0.8% MoM, Up 3.3% YoY
The Labor Department's JOLTS report for March is schedule for release at 10:00 a.m. ET.
The Treasury is set to auction 4-week bills at 11:30 a.m. ET.
The Treasury will auction 3-year notes at 1:00 p.m. ET.
ANALYST RATINGS
Canaccord upgraded Impinj (NASDAQ: PI) from Hold to Buy
Argus upgraded Viavi (NASDAQ: VIAV) from Hold to Buy
RBC downgraded Zillow (NASDAQ: ZG) from Outperform to Sector Perform
Raymond James downgraded Del Frisco (NASDAQ: DFRG) from Outperform to Market PerformThis is a tool used by the Benzinga News Desk each trading day — it's a look at everything happening in the market, in five minutes. To get the full version of this note every morning, click here.
- [By Motley Fool Staff]
Let’s go to Z and let’s go with Zillow (NASDAQ:ZG). Zillow and Zillow Group. You know, Zillow has about 150 million people who click in on a monthly basis. They’re looking at listings of their house, of other houses in their neighborhood or places that they might want to move. Or just clicking around and looking at celebs’ dream houses. All these things can happen on Zillow but, increasingly, the company is clearly the leader and is the friend of realtors.
- [By Anders Bylund]
Shares of Zillow Group (NASDAQ:Z) (NASDAQ:ZG) fell hard on Friday morning. Class A shares fell as much as 11.1% and the non-voting Class C stock dropped 10.4% lower at most. As of 3 p.m. EDT, both stock classes had recovered somewhat to a daily loss of approximately 7.5%.
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Here’s everything you need to know before Monday’s opening bell:
Berkshire Hathaway (BRK.A) reported a rare quarterly loss because of an accounting change. Nestl茅 will pay Starbucks (SBUX) $7.15 billion for the rights to sell the coffee chain’s products globally. “Avengers: Infinity War” crossed the $1 billion in worldwide box office sales in just 11 days. Investors will analyze earnings from T-Mobile (TMUS) , Zillow (ZG) and more. U.S. stock futures pushed higher despite a rise in crude oil.
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- [By Jeremy Bowman]
Shares of Zillow Group, Inc. (NASDAQ:Z) (NASDAQ:ZG) sold off last month as the market expressed dissatisfaction with the company’s plan to flip houses. As a result, both classes of stock closed April down around 10%, according to data from S&P Global Market Intelligence.
