Reliable Income

How to Create Reliable Income Sources with Bond Ladders, SPIA’s and DIA’s

The change from working and saving to not working and spending from your portfolio is daunting. Layered on top of these “normal” concerns are today’s troubling headlines. This “headline risk” has contributed to recent market volatility. While we understand that this volatility can cause one to be nervous, our view is that no matter the market, one can always be worried about it. So, what should you be doing now or in the future if you have these concerns?

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A Warning to the Advisory Profession: DALBAR’s Math is Wrong

Boston-based DALBAR has published updates of its “Quantitative Analysis of Investor Behavior” study annually since 1994. The study is meant to educate investors about how the returns they earn generally lag behind the returns for market indices widely reported in the media. The study analyzes the sources of poor investor performance, finding that the bad…

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