Remember that the government only represents about 30 and many of us do not have one. It is up to individuals to invest wisely short and long term in order to make up for the short fall if he or she would like to live comfortably after retirement without giving up some retirement plans. Because of low interest rate environment, unlike the generations before them, they know that fixed income investments are no longer provide enough incomes for their financial needs.In this article, we will discuss the baby boomers and equity investments. The equity investment that has out-performed all others by at least 6.5 in stocks and 40% in bonds.

1. You are allowed to hold the equity investment securities such as Publicly traded stocks, bonds, mutual funds, stocks and term certificates,etc.In your RRSP, 401k and IRA account. In addition, you may also choose to purchase income annuities when you reach the age to roll over your RRSP, 401K and IRA account. Remember, a legal minimal withdrawal payment is required each year, if you over 69 years old for Canadian resident and 70 and 1/2 years old for US resident.

2. Your RRIF investments that roll over from your RRSP account allow you to invest in equity market just like any RRSP account. In case of IRA and 401k roll over to IRA account, you are allowed to investment in equity markets by following the IRS Publications and the Internal Revenue Code. Your money continue working for you, tax-sheltered, allowing your capital to continue to grow and providing protection against the ravages of inflation. Minimum withdrawn payment is required each year.

3. You can set up your investment in RRIF when RRSP is required roll over to RRIF,so you can increase your cash flow each year to ensure your needs are adequately covered. In case of IRA account, the same ste up will do the trick.

4. Even with tax against your with minimum withdrawn payment, your tax-deferred RRIF and IRA investments represent the major wealth-accumulation instrument because of the unstoppable power of compounding interest.

5. Today, inflation remains low, but there's no guarantee it won't rise soon. Inflation eventually erodes the value of your money.

I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page: