Overview Of Retirement Income Planning – Part One

By Wade Pfau, Ph.D., CFA

Strong disagreements exist about how to position a retiree’s assets to best meet retirement goals. Two fundamentally different philosophies for retirement income planning—which I call probability-based and safety-first—diverge on the critical issue of where a retirement plan is best served: in the…

Strategies To Consider When Building An Effective Retirement Income Plan

By Wade Pfau, Ph.D., CFA

The challenge in building an effective retirement income plan is to use available income tools and tactics in a strategic manner to meet the financial goals of retirement while also managing the risks confronting those goals. The financial goals of retirement include…

2019 – Q3 Quarterly Market Review

By Retirement Researcher

2019 – Q3 Quarterly Market Review

RISA™ Update

By Alex Murguia, PhD

Hello everyone, I wanted to provide a quick update on where we are on the Retirement Income Style Awareness ™ (RISA) investigation. There was a pause in the action after the deadline because I took my summer break and we moved our…

The Yield Curve is Inverted. Don’t Panic.

By Bob French, CFA

Wednesday was another “interesting” day in the markets. The S&P 500 Index was down almost 3% on the day – and follows on the heels of last Monday, where the market was also down nearly 3%. It’s been an eventful week and…

How to Create Reliable Income Sources with Bond Ladders, SPIA’s and DIA’s

By Kyle Meyer

The change from working and saving to not working and spending from your portfolio is daunting. Layered on top of these “normal” concerns are today’s troubling headlines. This “headline risk” has contributed to recent market volatility. While we understand that this volatility can cause one to be nervous, our view is that no matter the market, one can always be worried about it. So, what should you be doing now or in the future if you have these concerns?

Are Stocks Safer in the Long-Term?

By Bob French, CFA

When you’re investing, you need to focus on the long-term. This is one of those pieces of received wisdom that everyone has heard, but it’s often wildly misinterpreted. There’s an idea that stocks get safer the longer you hold onto them because you can ride out the bad periods if you are disciplined enough – it’s just a matter of sticking around until the market rewards you for being a “good investor.” To put it simply, this is not the case.

What Does it Mean to Call China a Currency Manipulator?

By Bob French, CFA

Monday (August 5th, 2019) was a chaotic day for both the world economy and markets. We want to break down what’s happened, and how that will likely impact your investments.

Ignore the Financial Media

By Bob French, CFA

WHAT IS OCCAM’S RAZOR? Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous…

Can TIPS Help You?

By Bob French, CFA

Inflation is one of the most pernicious risks facing retirees. While there are a lot of ways to manage inflation risk, TIPS, or Treasury Inflation Protected Securities, are one of the few investment options that directly hedge against inflation risk. They aren’t…

Women and Financial Planning

By Jessica Wunder

“Think equal, build smart, innovate for change”.  It is a time to applaud the progress of women’s achievements around the world. However, even with incredible progress, women face unique circumstances when approaching retirement.

Should You Try Timing to Avoid Bad Markets?

By Bob French, CFA

WHAT IS OCCAM’S RAZOR? Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous…