Category Archives: Retirement
U.S. pension plans underfunded by $450 billion
Imagine if you knew you owed a dollar to your friend but you didn’t have to pay it back for 10 years. Using the time value of money, you could assume an interest rate and then invest some amount (say … Continue reading
How much do you need to save to replace your salary in retirement?
A prominent debate in the financial advisor industry examines what is a safe withdrawal rate from a retired person’s investment portfolio. It’s not quite consensus, but it is generally considered that you can withdraw 4% of the value of a … Continue reading
Retirement reality: when is not always your choice
Interesting chart here from the Employee Benefits Research Institute analyzing the frequency at which people are able to retire on their own terms compared to those who have been forced to retire earlier or later than planned. Twenty years of … Continue reading
Dave Ramsey’s misleading expectations
Radio host and author Dave Ramsey has developed a big following by delivering basic advice about financial literacy and budget management. He has helped a lot of people take positive steps to get out of debt and invest for their … Continue reading
The Bond Market Conundrum of 2011 — Part II
Portfolio Management Preferences to Reduce Risk LOOK BEYOND TREASURIES U.S. investors have easy and relatively inexpensive access to a broader selection of bonds than they had in 1994. Non-U.S. bonds provide U.S. investors access to different economic cycles, interest rates … Continue reading
Medicare costs can increase due to unintended consequences
In the Weekend Investor section of the October 30, 2010 Wall Street Journal, Ellen Schultz wrote an article outlining often overlooked considerations that can cause personal Medicare costs to rise and more of Social Security benefits to be taxed. In … Continue reading
Continuing-Care Retirement Communities: Weighing the Risks
Kelly Greene, who writes retirement-focused personal finance stories for The Wall Street Journal, recently reviewed some of the risks and benefits of an increasing trend among retired Americans. Continuing-care retirement communities have become popular but should be viewed as an … Continue reading
Six Rules for Including Rental Real Estate in Your Investment Portfolio
For many people, investment real estate makes up a large percentage of their net worth. Rental property has been a more consistent part of the financial picture for our clients than we ever assumed would be the case. From a … Continue reading →