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Smart Financial Moves in Uncertain Times: Why Liquidating Assets May Not be the Best Way to Generate Cash
Financing Retirement, Retirement Tips

Smart Financial Moves in Uncertain Times: Why Liquidating Assets May Not be the Best Way to Generate Cash

Given the current global conditions rapidly impacting our world — the COVID-19 pandemic, political uncertainties, and interest rate cuts to keep the economy on track — it’s no surprise that the financial markets have entered a period of extreme volatility.

For many, these market instabilities create heavy pressure to stem losses by liquidating invested assets, especially for those close to or at retirement age. But according to Bankrate, instability is no reason to completely exit the market. Trying times means making smart choices that can benefit you now and into the future.

When feeling the financial pinch, you may also consider selling your home or taking out a traditional Home Equity Line of Credit to monetize your home’s equity. But there may be another, more flexible way to ride out the bear market and give your investments time to recover: a reverse mortgage.

For homeowners age 60* and older, a reverse mortgage loan can provide a more flexible way to ride out any stock market storms while allowing your investments to grow as the market recovers. In fact, it can offer increased financial security by granting you access to an important and often under-utilized retirement asset: home equity.

How a reverse mortgage works

A reverse mortgage is a valuable financial tool that can be withdrawn as a lump sum, monthly payments or a line of credit that’s there when you need it most. Just like a traditional home equity line of credit, you can leave it untouched when you don’t need it, but it allows you to be more financially prepared when you do need additional funds — like when invested assets are under-performing. This can be a great way to supplement your retirement income, while you avoid tapping into your savings and investments.

Best of all, it offers a unique growth feature that’s not available with a traditional home equity line of credit. Any unused amounts grow over time — withstanding fluctuations in the market or your home value — giving you access to more funds as time goes on.*

And when it comes to repaying your reverse mortgage, YOU decide whether you want to make monthly mortgage payments — and if so, how much; or make no monthly payment at all. As with any mortgage, you must meet your loan obligations, keeping current with property taxes, insurance, and maintenance.

Leveraging funds you already have

While you have no control over the market, you do have control over your home equity. And tapping into what you’ve built up can often be a more effective financial strategy than liquidating investments to generate cash.

At Reverse Mortgage Funding LLC (RMF), we’ve helped thousands of homeowners age 60 and older secure extra funds with a reverse mortgage loan. For a limited time, RMF is offering a highly competitive fixed rate option, as low as 3.56%, exclusively on Home Equity Conversion Mortgages. To learn more, call (888) 277-1567 and one of our experienced reverse mortgage specialists will set up a convenient, in-person appointment to see if a reverse mortgage might be right for you.

If you have concerns about stock market volatility and how it may impact your retirement accounts, we encourage you to speak with a trusted financial advisor.

This content is sponsored by RMF, one of the nation’s leading reverse mortgage lenders. We are dedicated to helping older Americans retire more freely, in the comfort of their own homes. As a result of our commitment to providing an extraordinary and positive customer experience, we have earned a 98% customer satisfaction rating; a 5-star / Excellent score on Trustpilot; 4.8 out of 5 stars on LendingTree; and an A+ rating with the Better Business Bureau. Call 888-277-1567 to speak with a licensed reverse mortgage specialist to learn about our retirement financing products and solutions.


If you have equity in your home and believe you meet the eligibility requirements, a HECM may be the option that could help you retire smart.

Check Eligibility

*Not applicable in all states; some states may impose a higher age requirement. Visit for details.

Borrowers who elect a fixed rate loan will receive a single disbursement lump sum payment. Other payment options are available only for adjustable rate mortgages.

If part of your loan is held in a line of credit upon which you may draw, then the unused portion of the line of credit will grow in size each month. The growth rate is equal to the sum of the interest rate plus the annual mortgage insurance premium rate being charged on your loan.