The Teeter Totter Principle is all about using a “seesaw” to balance your Nest Egg’s cash and investments. Greg Heiple a financial planner, created the Teeter Totter Principle for managing your Retirement Nest Egg after seeing what happened to some of his clients in the 2000-2003 stock market down-turn. He gives an example of of a couple retiring in 1999 and doing all the recommended things with their Nest Egg but ending up losing 30% of their Nest Egg by 2003. He realised there must be a better way to manage his clients Nest Eggs in retirement. His research led to the creation of the Teeter Totter Principle.

Don’t be fooled by its simplicity. It is a great tools for protecting your Nest Egg in Retirement.

The Teeter Totter Principle has several benefits for Retirees:

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My eBook "What Every Baby Boomer Should Know about Protecting Their Nest Egg in Retirement" is now available. This eBook is the result of several months research into how I could protect my Nest Egg now I am in semi-retirement. It is packed with information which is explained without using high level finance jargon. In fact it is not an investment book at all. I’m not qualified to offer investment advice. It aims to inform you about all things other than stock market losses, inflation and taxes that can "eat" your Nest Egg in Retirement over the long term.

It was after becoming frustrated with my Financial Advisers and their seeming disregard to understand that the rules of investing change when someone starts to draw down their Nest Egg. Just some of the things include:

The number one thing in Retirement is to minimize the losses NOT maximise the gains.

High Fees of 1%-3% will significantly reduce a Nest Egg over the Long Term.

Reverse Dollar-Cost-Averaging works against Baby Boomers in Retirement.

Using Average Returns to predict Nest Egg survival is dangerous and could send you broke.

Losing Capital is far more dangerous to a Retiree than someone still in the work-force. This fact appears to be lost on many in the financial planning industry.

Therefore it is vital that Baby Boomers actively take control of their Nest Egg when in Retirement.

The eBook offers insight into the many ways a Nest Egg can be taken from a Baby Boomer before their very eyes  - and it’s all legal.

The eBook is aimed at first alarming Baby Boomers with the information, and then arming them to take control of their Nest Egg. It does not advocate going it alone necessarily, but rather how to take charge of a meeting with a financial planner and make sure they are working to protect your Nest Egg when you are in retirement.

"What Every Baby Boomer Should Know about Protecting Their Nest Egg in Retirement" is available for purchase and immediate download at:

 Protect Your Nest Egg in Retirement

A Blog can also be located at www.protectyournestegginretirement.com where any comments are most welcome.

Baby Boomers, unless you live under a rock you will be well aware there is stock market turmoil and the possibility of your Nest Egg being a lot smaller for your retirement. You need to Protect Your Nest Egg Now.

This article is not intended to alarm you but to arm you. You see most Baby Boomers don’t understand how their Nest Egg is managed. In fact most find the whole subject totally boring.

It’s a fact people spend more time planning which restaurant to go to rather than planning their retirement. But what’s worse is they spend no time planning how to protect their Nest Egg against a major loss.

Over time Stock markets have always recovered. More recently it seems these recoveries have been quicker, giving us a false sense of security. If you were in the work force and accumulating your Nest Egg it was easy to sit tight and let the market take care of itself. But if you are in Retirement the whole situation changes dramatically.

For a start you might no longer be earning any income and so will not be contributing to your Nest Egg. Plus if you have no other source of income you will be drawing your income from your Nest Egg. If you take just 4%, which is suggested by many experts, this is equivalent to the stock market dropping by 4% on top of any real stock market drop.

So you have the worst of situations. Your Nest Egg is reducing in value and you are taking money out. Talk about punching a guy when he is down!

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This 13 page FREE Report includes the first few pages of the eBook including the Table of Contents. It contains information many Baby Boomers have never considered before and is vital information if you want to protect your nest egg whilst in retirement. (Click on the Book to open it in Adobe Reader)

It is when we are in retirement our nest eggs are most vulnerable because we may no longer have a source of income to replenish it should it suffer large losses as with the current “Sub-Prime” situation. That in itself is a major problem but what exacerbates it is if we take a pension when our nest egg has suffered losses. For example taking a pension of 4% can be considered similar to the Stock Market dropping by a further 4%. Either way there is 4% less funds to invest to grow or maintain your nest egg.

But the problem doesn’t stop there. There are several other issues that can eat your nest egg whether the Stock market is going up or down. These are the things that can really damage your nest egg over the long term.

I hope you find the information in the FREE Report as revealing as I have and, I hope it will spur you on to protect your nest egg now.

The full eBook is ready and will be available on 1st April 2008 - April Fools Day ;0)

Thanks for dropping by and taking a look at my blog. As the title suggests it will be all about how to protect your nest egg in retirement.

I’m not talking about all the financial wizardry spoken of by the Wealth Management industry. I’m talking about how your nest egg can disappear over time through things that have nothing to do with the Stock Market. It is my own experience that has motivated me to create this blog and to write an eBook based on my research.

Why should you listen to me? That’s a good question and I hope I can answer it for you on this Blog over time and with my eBook.

First I am in semi-retirement and so my income has been reduced considerably. I do have enough of a nest egg for a reasonably comfortable retirement. At least that is what I thought. I have done my own investing for the last 25 years until last year when I decided to hand it all over to a financial planner via a WRAP account and Mutual Funds. Whilst I was nervous I liked my financial planner and trusted him so in November 2007 I handed over my nest egg to my chosen wealth management team.

I wasn’t looking to make a “killing” I told my planner. I was happy to protect my capital and make 8-10% if I could. This was very conservative I was told. It was strange at first but I wanted to spend my time doing other things. Read the rest of this entry »