Reserves
Occam’s – How Buffer Assets Might Be Able to Help Your Retirement
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 explanations for…
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Two Philosophies for Retirement Income Planning Part Two: Safety-First School
This article is part of a series; click here to read Part 1. The safety-first school of thought was originally derived from academic models of how people allocate their resources over a lifetime to maximize lifetime satisfaction. Academics have studied these models…
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Preparing for Retirement When You’re Starting Late
Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that.
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What is Risk?
Risk is one of those complicated concepts that you can’t really pin down to one definition, but it’s the single most important factor for investors.
Read MoreWhat’s the Most Appropriate Planning Age for Retirees?
The relationship between how long you’ll live and your sustainable spending rate is a big piece of the retirement planning puzzle.
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Which Makes More Sense for Retirees: A Total-Return or Income Portfolio?
Total-return investing focuses on building diversified portfolios from stocks and bonds to seek greater long-term investment growth.
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How the Fed Impacts Your Investments
The financial media loves talking about changes in the target for the Federal Funds Rate. What the financial media want to talk about and what actually matters don’t overlap much. Let’s take a look at how changes in the Federal Funds Rate actually impact your investments.
Read MoreUsing Reverse Mortgages In A Responsible Retirement Income Plan
Though reverse mortgages have long held a bad reputation, research and public policy in recent years are shedding new light on their potential uses in retirement.
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What Are Annuities?
Annuities are like power tools. In the right hands, they can help you considerably, but if you don’t know what you’re doing, you could cut your fingers off.
Read MoreWhat is a Reverse Mortgage?
Reverse mortgages have gotten a bad rap. Admittedly, a lot of it was deserved. A bad rap doesn’t just happen without something to base it on. But a lot has changed since Fred Thompson was selling them on daytime TV. Now, reverse…
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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.
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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