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Lifecycle Finance: An Alternative For A Lifetime Financial Plan

Some of the most common rules of thumb used to guide retirement planning include the following: Retirees should be able to sustainably withdraw 4% of their retirement date assets over their retirement....

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Retirement Risks: It All Starts With Longevity

With retirement, one sometimes sees the terms accumulation and decumlation. The accumulation phase is the pre-retirement period when we work and save for retirement. Upon retiring, decumulation begins....

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Investment Return From Delaying Social Security? Sure Beats TIPS

A lot of people claim their Social Security benefits at the earliest possible age of 62. Social Security Administration data which I’ve worked with showed that 50% of beneficiaries in 2004 had done...

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Savings and Spending Possibilities for Retirements Beginning Today

An ongoing theme in my research about retirement income planning is just how big of an effect that sequence of returns risk has for both pre-retirees and post retirees. We are really vulnerable to the...

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Getting the Most From Charitable Giving With Donor Advised Funds

Charitable giving is an important part of life for many Americans, and recent current events requiring an immediate response have served as an impetus for generating new charitable contributions...

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Pre-Pay for Retirement with Deferred Income Annuities

Deferred income annuities (DIA) have grown in popularity in recent years, and they are poised for further growth as the Treasury Department has simplified procedures for purchasing them in retirement...

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Improving Retirement Outcomes with Investments, Life Insurance, and Income...

Financial goals for retirement generally include meeting spending goals sustainably, while also preserving assets for contingencies and legacy. The financial services industry offers different tools...

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How Should Retirement Spending Adjust to Investment Portfolio Performance?

A natural starting point for discussions about retirement spending is the 4% rule. William Bengen look at all the different 30 year periods in US history and found that withdrawing 4% of retirement...

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Safe Withdrawal Rates for Retirement & the Trinity Study

One of the classic studies in the field of financial and retirement planning is the Trinity Study — a nickname for the article “Retirement Spending: Choosing a Sustainable Withdrawal Rate” —by Philip...

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Lifecycle Finance: An Alternative For A Lifetime Financial Plan

Some of the most common rules of thumb used to guide retirement planning include the following: Retirees should be able to sustainably withdraw 4% of their retirement date assets over their retirement....

View Article

Retirement Risks: It All Starts With Longevity

With retirement, one sometimes sees the terms accumulation and decumlation. The accumulation phase is the pre-retirement period when we work and save for retirement. Upon retiring, decumulation begins....

View Article

Investment Return From Delaying Social Security? Sure Beats TIPS

A lot of people claim their Social Security benefits at the earliest possible age of 62. Social Security Administration data which I’ve worked with showed that 50% of beneficiaries in 2004 had done...

View Article

Savings and Spending Possibilities for Retirements Beginning Today

An ongoing theme in my research about retirement income planning is just how big of an effect that sequence of returns risk has for both pre-retirees and post retirees. We are really vulnerable to the...

View Article


Getting the Most From Charitable Giving With Donor Advised Funds

Charitable giving is an important part of life for many Americans, and recent current events requiring an immediate response have served as an impetus for generating new charitable contributions...

View Article

Pre-Pay for Retirement with Deferred Income Annuities

Deferred income annuities (DIA) have grown in popularity in recent years, and they are poised for further growth as the Treasury Department has simplified procedures for purchasing them in retirement...

View Article


Improving Retirement Outcomes with Investments, Life Insurance, and Income...

Financial goals for retirement generally include meeting spending goals sustainably, while also preserving assets for contingencies and legacy. The financial services industry offers different tools...

View Article

How Should Retirement Spending Adjust to Investment Portfolio Performance?

A natural starting point for discussions about retirement spending is the 4% rule. William Bengen look at all the different 30 year periods in US history and found that withdrawing 4% of retirement...

View Article


Safe Withdrawal Rates for Retirement & the Trinity Study

One of the classic studies in the field of financial and retirement planning is the Trinity Study — a nickname for the article “Retirement Spending: Choosing a Sustainable Withdrawal Rate” —by Philip...

View Article

Is a High CAPE Cause for Alarm? Part 1: CAPE's Relationship to Stock Returns

Market predictors have taken many forms over the years, but no formula or person has ever gotten it completely right. The market is unpredictable. That’s just the way it is. But that hasn’t stopped...

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Is a High CAPE Cause for Alarm? Part 2: Valuation-Based Asset Allocation

In my last post, I discussed the origins of the PE10 (a.k.a. cyclically-adjusted price-earnings ratio, or CAPE) and how it has been used to map market performance. Discussion around PE10 focuses...

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