This week's market rout might leave you tempted to move your investments, particularly if you're heading into retirement. However, the only assets you really should consider making changes to are the ones outside of your portfolio. These tips can help get you started.
Yet depending on your needs and the terms, it sometimes can make sense.
"Consider a short-term bank loan if you need cash flow, rather than liquidating some of the equity that normally pays some of your retirement income," Parrish said. Keep in mind that bank loans, whether offered by a brick-and-mortar or online institution, are preferable over credit card loans, which come with much higher interest rates.If you own a home and were on the fence about whether or not to borrow against it, that strategy could make sense now, Parrish said.
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