Retirement Insights

Is There Such a Thing as “Too Diversified?”

A client brought up the concept of being too diversified recently, and it gave me pause. My initial reaction was that there is no such thing . Diversification is a good thing. It allows you to minimize  risks inherent in individual investments (company gets sued, senior executive leaves, “next big thing” flops, etc.) and take…

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Midterm Elections: What Do They Mean for Markets?

With the recent market volatility this last month and the upcoming mid-term elections, it is not uncommon to receive questions regarding the potential market reactions. Dimensional provided a great little piece on this below. The two exhibits that accompany the article really tell the story nicely. Enjoy! Midterm Elections: What Do They Mean for Markets?…

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The Art of Disciplined Investing

Often the least sexy advice is the right advice. It’s not exciting, but it will accomplish your goals. This goes for investing, too. Think of your portfolio as a farm. You’ll have good years and bad years, but if you focus on the important parts and don’t let yourself get distracted, you’ll reap the rewards…

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Building and Maintaining an Investment Portfolio

Building a diversified and effective investment portfolio is an important part of creating an efficient retirement income plan. Much of the research around retirement income planning tends to focus on other matters and not put a lot of weight on portfolio-creation matters. The basic research tends to assume two asset classes (U.S. large-capitalization stocks and…

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How Much Income Do I Need in Retirement?

Most people are focused on saving for retirement so they’ll have the money they need to fund their income in retirement. However, ask most people how much they’re going to spend in retirement and they have no idea. To plan for retirement effectively, you need to have some sense of what your spending needs are…

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Review: How to gauge your chances of a phased retirement

A lot of people expect to work past “retirement age.” They either figure that they will need the additional income to live, or they just enjoy their work and everything that comes with it. Planning to work in retirement is a dangerous game. Working longer can have a huge impact on your retirement situation –…

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Review: Americans’ retirement benefits slashed by a quarter

Preparing for retirement is hard. Especially as employer contributions have gone down over time. Since 2001, employer retirement benefit spending (pension and 401(k) contributions, as well as retiree health care) have dropped from 9.1 percent of worker pay to 6.8 percent of worker pay in 2015. (This is a 25 percent drop, but it’s not…

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