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How Time Horizon and Discount Rate Affect Your Social Security Decision
One way to view the decision to delay Social Security as an “investment” is by using a present value calculation to identify which strategy can provide the most lifetime Social Security benefits and which strategy creates the lowest funding needs for your investment portfolio. This calculation requires deciding on a time horizon and a discount rate.
Fixed Horizons vs. Survival Probabilities in Retirement Planning
How long you are going to live (and spend) is an incredibly important number in
Essential vs. Discretionary Spending: Planning Your Retirement Budget
Not all of your spending is created equal. And it would help if you didn’t
Transitions in Retirement: A Whirlwind of Change
Retirement is sometimes portrayed as a relatively uneventful, static chapter in life. In fact, nothing
What to Do in Retirement: Finding Purpose Beyond the Numbers
There’s a lot of focus on the “numbers” in retirement planning. And there’s a lot
How Useful is Historical Data in Predicting Future Returns?
Effectively all of our understanding of finance and investing is based, at least to some
What is the Role of Bonds in Your Portfolio?
A lot of the time, investors view each of their investments in isolation. They focus
What is the Efficient Market Hypothesis? And What Does it Mean for You?
Navigating the financial markets can often feel like you’re in a labyrinth, with news outlets,
Choosing Between Individual Bonds and Bond Funds in Your Investment Portfolio
When investors are looking at their bonds, one of the most common questions is whether
Home Sweet Home Bias: Overweighting US Stocks in Your Portfolio
Investing is deceptively simple. Until it’s not. As investors, we want to start with the
