Longevity Risk and Retirement Planning Longevity Risk and Retirement Planning go hand in hand. Longevity is the great risk multiplier in retirement! We all know the greatest fear in retirement is running out of money. The longer you live, the greater […]
3 or 4 Fund Portfolio? Why do Bogleheads and Vanguard disagree about exposure to International Bonds? Bogleheads advise a three-fund portfolio containing US and International equities (globally diversified) but submit that US bonds are sufficient. Vanguard recommends a four-fund portfolio that includes […]
The 10-Year Rule Increases Taxes What is the 10-year rule, and why is it important? After 2020, most non-spousal beneficiaries pay attention. The 10-year rule will cost you more in taxes passing on your pre-tax retirement accounts. Do […]
Where to take Investment Risks Should I take risk in my stocks or bonds? When constructing your portfolio, where do you take investment risk? Do you “gamble” in your stocks or your bonds? Wait, which one is low risk? While risk […]
Lifecycle Investing and 100% Equities for Life One hundred percent equities for life? That’s what a new paper on lifecycle investing recommends. Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice was published earlier this month and reported […]
Sequence of Inflation Risk Sequence of inflation risk may be a new phrase for you, but we all know that inflation significantly affects those in retirement. Now that inflation is back in the news, retirees want to know how inflation […]
Dog Whistling Narcissists know you so well that they publicly abuse you without others recognizing the abuse. So-called “Dog Whistling” is a covert form of gaslighting that narcissists use to trigger or disorient you in public or private. A […]
Getting Rich Vs. Staying Rich You get rich differently than you stay rich. Some get rich with concentration, and some stay rich with diversification. Concentration when you are young is your human capital. It can be your W-2 J.O.B. […]
Gatekeeping by Narcissistic Mothers Gatekeeping is common in otherwise healthy families and even more common during separation and divorce. Mothers may weaponize gatekeeping during custody disputes. Yet, it is known that paternal involvement by both parents is necessary for […]