Why Does Everyone Experience Such Different Retirement Income Outcomes?
Individual investors are vulnerable to the sequence of market returns experienced over their investing lifetimes. Individuals who behave in exactly the same way over their careers—saving the same percentage of the same salary for the same number of years—can experience disparate outcomes based solely upon the specific sequence of investment returns that accompanies their career and retirement.
What Does It Mean When People Say the Trump Rally Has Created an ‘Overvalued’ Market?
A number of people are suggesting that the Trump Rally, along with the longer-term bull market, has pushed prices beyond justification. Therefore, the markets must be on the verge of a downturn. Are they right?
Indexes 101, Part 1: What Is Index Investing?
Everyone has heard of investing in an index, but not many people understand what that really means, so we decided to break it down for you.
Building A Retirement Income TIPS Ladder
A TIPS ladder can be constructed similarly to a Treasury strips ladder, learn how it’s done here.
What Would A 30-Year Bond Ladder Cost A Retiree Today?
Building bond ladders for retirement income is an important but understudied topic.
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.
Using Target-Date Retirement Income Funds To Guard Against Interest Rate Risk In Retirement
Dimensional Fund Advisors (DFA) takes a more direct approach to immunizing retirement liabilities through their target-date retirement income funds. These funds provide a useful case study for understanding the role bond funds play in meeting retirement expenses.
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.
What Every Retiree Should Know About I Bonds
Any discussion of TIPS requires an additional mention of Series I Savings Bonds. This article will cover the basics of I Bonds.
Which Is Better For Retirement Portfolios: TIPS Or Traditional Treasuries?
Traditional bonds are priced around the objective of getting a return that exceeds expected inflation. If inflation is unexpectedly high, then the real return on nominal bonds is less.
