ARBOR WEALTH: Living longer, sicker, and poorer

Published: Monday, September 9, 2013 at 09:32 AM.

The Washington study reveals that life expectancies in the U.S. have increased from 75.2 in 1990 to 78.2 in 2010, which doesn’t sound that impressive. But add three years of longevity to our collective population every 20 years, and by 2100 our average life expectancy will be over 90. The downside is that we’re growing sicker in old age, and this is straining Medicare and health care costs. 

Investors with a respectable retirement nest egg are worried about the escalating premiums of a long term care policy and the possibility that a serious illness in the retirement years could increase the odds of outliving one’s portfolio.

Investing in select dividend payers can sometimes offset these increasing health care costs. Companies who have consistently increased their dividend payout to shareholders, and who actively seek global market opportunities, are oftentimes valid investment choices that enable investors to fight inflation.  As dividend paying companies slowly increase their payouts, these increases serve as the investor’s personal cost of living adjustment.

Margaret R. McDowell, ChFC, AIF, a syndicated economic columnist, chartered financial consultant and accredited investment fiduciary, is the founder of Arbor Wealth Management, LLC, (, a fee-only registered investment advisory firm near Sandestin.




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