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Total Return vs Income Investing: Same, but Different

Retirees can take 2 main approaches to spending from portfolios. 1) Focus on income and dividends produced in the portfolio, a.k.a. “income investing.” 2) Sell assets as appropriate to meet spending needs. For your portfolio, they’re basically the same thing. But, from your point of view, you should be aware of one difference: focusing on income investing can make your portfolio less diversified.

Whether Gold Prices Are Up or Down, You Should Stay Away

Along with China and the potential implications of rising interest rates, many stories have come out this week heralding the fall of gold and the new world we now live in as a result. It seems only a few years ago, we were simply deluged by articles about the merits of gold, the frailties of fiat […]

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.

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The Election and the Stock Market:

Understanding the Effects on Your Investments

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Bob French, CFA

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Disability and Early Retirement:

What You Can Do to Protect Yourself Now

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