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?Read More
Harvesting Gains and Losses (No Prior Farming Experience Needed)
Anyone with a taxable investment account should be thinking about gain/loss harvesting.Read More
Taking Portfolio Spending Into the Real World for Retirees
There has been too much emphasis on the portfolio and spending conservatively to keep failure rates low. This is not the whole story for retirement income. Certain circumstances, which we will explore, may allow retirees to accept a higher probability of “failure,” and spend more aggressively from their investment portfolio.Read More
What Can the Retirement CARE Analysis™ Tell You About Your Retirement Plan?
The Retirement CARE Analysis can help you figure out your asset allocation and an appropriate spending rate for retirement.Read More
How Should Your Asset Allocation Look in Retirement?
Asset allocations come in many shapes and sizes, but they’re never more important than when you enter retirement.Read More
Should You Use a Rising Equity Glide Path in Retirement?
Retirement income comes in many forms. Wade Pfau considers the pros and cons of a rising equity glide path.Read More
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.Read More
How Index Investing Became What It Is Today
Index investing came from humble beginnings to become one of the most widely used strategies in use today.Read More
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.Read More
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.…Read More
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 More
Understanding Bond Returns
Bonds may not be as flashy as stocks, but they form the bedrock of your portfolio, so you should understand how they work.Read More