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How Asset Location Helps Your Investments Flourish
How you invest is the largest determining factor in the level of returns you will see. But what about the “where” of investing?
How Should Retirement Spending Adjust to Investment Portfolio Performance?
A natural starting point for discussions about retirement spending is the 4% rule. William Bengen look at all the different 30 year periods in US history and found that withdrawing 4% of retirement date assets, and then subsequently adjusting the spending amount for inflation over the next 30 years, would have worked historically as a sustainable strategy.
Why the Dow Doesn’t Work
With Apple’s addition to the Dow (or more properly, the Dow Jones Industrial Average), now
Sequence Risk vs. Investment Risk
A lot has already been written about the sequence of returns risk confronting retirees. But the full implications of sequence risk have not been completely internalized. Retirees become more vulnerable to investment volatility, because as they withdraw from their portfolio they may find themselves locking in investment losses. It’s the opposite effect from dollar cost averaging.
Lifecycle Finance: An Alternative For A Lifetime Financial Plan
Some of the most common rules of thumb used to guide retirement planning include the following:
Retirees should be able to sustainably withdraw 4% of their retirement date assets over their retirement.
How Do I Build a TIPS Bond Ladder for Retirement Income?
Building bond ladders for retirement income is an important but understudied topic. Especially as we
Why Retirees Should Choose DIAs over SPIAs
My new column at Advisor Perspectives is called, “Why Retirees Should Choose DIAs over SPIAs.”
Claiming Social Security at 62 or 70
A consensus in the financial planning profession is that while the Social Security claiming decision
Risk and Retirement Finances
In my last blog post, I described a recent article by Paula Hogan and Rick
Deciphering the Annuity Puzzle
My Advisor Perspectives column for July is now available. It is, “Deciphering the Annuity Puzzle:
Ten Reasons Why the 4% Rule is Too Simplistic for Retirement Planning
What is the highest withdrawal amount as a percentage of retirement date assets that with inflation adjustments will be sustainable for the full 30 years? Here are 10 reasons that 4% may not be the appropriate withdrawal rate for every new retiree.
Why Do Economists Say There is an Annuity Puzzle?
Economists are known for describing the annuity puzzle. The puzzle is: why do people not
