Stop Reinvesting Dividends When You Retire Some people think you should always reinvest dividends. Others think perhaps there are times when you should stop reinvesting dividends when you retire. When should you stop reinvesting dividends before you retire? What is […]
Mitigation of Retirement-Specific Risks For those approaching or already in retirement, “risk” is complicated. Risk usually means market risk or volatility, the fact that the stock market goes up and down. This is especially true for the most vocal […]
Self-Funding Long Term Care Building wealth and self-funding long-term care insurance gives you the best of both worlds. Since there are no good options for long-term care insurance, the baseline case is self-funding. Neither Medicaid nor insurance are great options; […]
Annuities in Retirement What is the purpose of that money in retirement? When you buy an annuity, you trade a lump sum to access a risk pool. You pool your risk with others to mitigate the risk. You don’t invest […]
My Portfolio of Time You cannot take time with you. When your time is up, there is no more time or money to spend. We must spend our time now before it is too late. Today, some say, is the […]
Non-Deductible IRA After-tax contributions to a traditional IRA are a common problem. These results in basis in your IRA. That is, you have money you have already paid taxes on in a usually pre-tax account where you still owe taxes! […]
Bullet Bond ETFs Your asset allocation has risk on one side and safer assets on the other. For instance, a 60/40 portfolio has 60% Stocks and 40% Fixed Income. Different ways of structuring your safer part of the portfolio […]
Asset Allocation 5 Years From Retirement What should your asset allocation be five years from retirement? Should you De-Risk your portfolio for retirement? What does a good pre-retirement glidepath look like? Five years from retirement, let’s consider your asset […]
How to Invest Conservatively for Retirement If you are retiring soon, you might wonder: how conservatively should I invest? What asset allocation should I have given sequence of return risk? First, let’s look at a 50/50 portfolio’s historical returns. That’s […]
