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Choosing Between Individual Bonds and Bond Funds in Your Investment Portfolio

When investors are looking at their bonds, one of the most common questions is whether they should use individual bonds or bond funds (either in the form of mutual funds or ETFs) in their investment portfolio. Interest rates have come up over the past few years, so the yields on bonds have also come up. […]

Financial Support of Adult Children and Your Retirement

Much has been written about how the current generation of young people are transitioning to full adulthood. Some take a very negative view characterizing the transition as “slow” while others take a sympathetic view, reasoning that that the transition is more difficult to make than it was for prior generations given that the cost of […]

Which Retirement Are You Buying?

For many, the default approach seems to be to just “save what I can” for retirement. Individuals taking this approach usually save what’s “leftover” after making payments on their home, car and credit cards and covering their expenses of daily living. People generally recognize that they should save at least enough to capture their employer’s 401(k) match, if such a match exists, lest they “leave money on the table” each year. 

What Is The Retirement Spending Smile?

Our spending desires (and needs) change through time. Blanchett observes a “retirement spending smile” that varies slightly for retirees with different household spending levels.

How Often Should I Rebalance My Portfolio?

The market is going to drag your portfolio through every mud puddle it finds. It’s your job to pick your portfolio up, dust it off, and point it back in the right direction. Rebalancing brings your portfolio back into line, and ensures that you are taking the right amount of risk through time.

What To Make of Market Volatility

In recent days, the significant market decline has resulted in renewed anxiety for many of you (I know this is blatantly obvious but stick with us). While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing. Additionally, for long-term […]

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 since the 1920s to figure out how rational people make optimal decisions. In […]

Two Philosophies for Retirement Income Planning Part One: Probability-Based

Within the world of retirement income planning, the siloed nature of financial services between investments and insurance leads to two opposing philosophies about how to build a retirement plan. There is an old saying that if the only tool you have is a hammer, then everything starts to look like a nail. This tendency is […]

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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