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 ArticleRetirement 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 ArticleInvestment 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 ArticleSavings 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 ArticleGetting 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 ArticlePre-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 ArticleImproving 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 ArticleHow 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 ArticleSafe 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 ArticleLifecycle 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 ArticleRetirement 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 ArticleInvestment 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 ArticleSavings 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 ArticleGetting 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 ArticlePre-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 ArticleImproving 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 ArticleHow 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 ArticleSafe 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 ArticleIs 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...
View ArticleIs 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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