Tips for making safe investments during this pandemic
                     Tips for making 
safe investments 
during this 
pandemic
 Retirement shouldn’t mean the end of earnings. With an 
understanding of the financial markets and solid investment 
processes in place, you can replace your employment income 
with investment income. However, you need to remember that 
investments can be risky.
 This current pandemic has changed the financial landscape even 
further. While the pandemic spelled doom on the financial 
markets initially, investors gradually seem to have now 
identified opportunities.
Here are tips for safe investing:
 Work with a professional:
 This is the first thing that you need to note. You should always 
work with a professional. If you think that you can do it on your 
own and even if you have past experience, having a professional 
by your side adds significant value. These professionals are up-
to-date with policies, procedures and opportunities. There’s no 
excuse to go at investing on your own, because you may end up 
losing money. Whether you live in a 
senior apartment in Ankeny, IA or 
independent senior apartments near Kansas City, KS; you can 
easily find a reliable professional near you. Search them up on 
Google and see what kind of reviews that their past clients left 
them.
 Real estate based partnerships:
 Investing in real estate is always a good idea. However, not 
everyone may have the funds or the confidence to invest alone. 
For such people, real estate based partnerships work wonders. 
You could have as few as 2 partners and as many as 20-30 
partners, who join with you in buying an investment property. 
The property is most likely rented out and then sold after a few 
years. As you may have imagined, the return on investment is 
distributed among the partners. This partnership can be a part 
of a larger symposium or you could just get together with your 
golf buddies to invest.
 However, you need to do your research before investing in a 
property. The property’s location, lot size, floor area, 
marketability, rental potential, proximity to offices and colleges, 
etc. can have a bearing on the returns you make from your 
property. Let’s say if you live in a 
55+ apartments in Des Moines, IA; you should try to identify 
properties that are within drivable distance. This way, you can 
always keep a check on it. As about the money required for 
investing, you can either use your savings or avail of the many 
investment/loan products available for retirees.
 Diversify:
 Don’t put all your eggs in the same basket. Spread your money 
across balanced mutual funds, bonds, ETF, and stock. Some of 
these investment vehicles offer stability with low returns while 
some others offer high returns with volatility. By diversifying 
your portfolio, you’ll increase your chances of generating high 
returns and reduce your risk.
 Corporate bonds:
 If stocks are too risky for you, you can consider investing in 
corporate bonds. While these are riskier than government 
bonds, they are safer than the stock market. You need to ensure 
that the bonds you choose offer high liquidity and have diverse 
exposure for you to get a steady income stream.