self-acceptance in retirement

Audaciously Authentic

Self-Acceptance in Retirement  A working person introduces themselves by what they do. When you retire, you introduce yourself as who you are. You have a different identity pre-retirement than when you retire. As we shift from “what you do” to […]

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Just Keep Creating

Just Keep Creating

Just Keep Creating     The key to life: keep creating. If you are creating, then that is enough. Creating every day is a goal too lofty for most. Oh, to fear nothing. To hope for nothing. To create every […]

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RIP retirement

Are Target Date Funds Useful In Retirement?

Are Target Date Funds Useful In Retirement?   Let’s discuss reasons not to use target-date funds during the retirement drawdown phase. A fund-of-funds (like a target-date fund) is simple, efficient, and easy during accumulation. Remember, though, during de-accumulation, everything changes. […]

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Emotions Require the Serenity Prayer

Emotions And the Serenity Prayer

Emotions Require the Serenity Prayer   Emotions require wisdom to know the difference and just a touch of the rest of the Serenity Prayer. Managing your emotions requires unwavering authentic self-confidence. You must know who you are, or what Gen […]

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Bond Tents for Retirement Asset Allocation

Do Bond Tents Beat a 60/40 Portfolio in Retirement?

Bond Tents for Retirement Asset Allocation Bond tents and Rising Equity Glidepaths are styles of glidepaths. Glidepaths describe the modulation of asset allocation before and after retirement. For example, traditional target-date funds decrease stock percentage to or through retirement and […]

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Retirement Spending Smile

Retirement Spending Smile vs. Lumpy Expenses

Retirement Spending Smile or Lumpy Expenses? A major puzzle in retirement are future expenses. How much money will you need to spend in the future? You have ‘guaranteed’ lifelong sources of income, such as social security, pensions, and income annuities. […]

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