The Retirement Researcher Manifesto – Part Two

This article is part of a series; click here to read part One. Let’s continue to review the last 3 guidelines in the manifesto for my approach to retirement income planning. Approach retirement income tools with an agnostic view The financial services profession is generally divided between two camps: those focusing on investment solutions and…

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The Retirement Researcher Manifesto – Part One

As I have attempted to summarize the key messages and themes that have underscored my writing and research, I find that the following eight guidelines serve as a manifesto for my approach to retirement income planning. It is helpful to start with these guidelines because I will ultimately talk about how to implement these guidelines…

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Overview Of Retirement Income Planning – Part Two

This article is a part of a series; click here to read Part One. With investment solutions, a more comfortable lifestyle may be maintained for those willing to invest aggressively in the hope of subsequently earning higher market returns to support a higher income rate. Should decent market returns materialize and sufficiently outpace inflation, investment…

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Overview Of Retirement Income Planning – Part One

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 risk/reward trade-offs of a diversified and aggressive investment portfolio, or in the contractual…

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Strategies To Consider When Building An Effective Retirement Income Plan

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 sustainably meeting a lifestyle spending goal for as long as one lives, providing…

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3 Ways To Incorporate Bonds Into Your Retirement Strategy

Bonds can be incorporated directly into a retirement strategy in three broad ways:
1. An assets-only approach to build a total returns investment portfolio,
2. Matching the duration of bond funds to the duration of the retirement liability, and
3. Holding individual bonds to maturity to generate the desired cash flows to fund expenses on an ongoing basis throughout retirement.

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Do You Need an Emergency Fund in Retirement?

Most retirees struggle with how to deal with their emergency fund. It’s there to help you deal with, well, emergencies. Retirees are just as prone to emergency as others, if not more so.

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Finding the Right Balance Between Inflation Risk and Investment Risk

When we talk about retirement risks, people often tend to fixate on their investments. Yes, investment risk is important, but it’s only a piece of the puzzle. The primary risk to your retirement is not having enough money to do what you want. Like I said, investment risk certainly plays into this, but you need…

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