Breadth, Momentum, and Asset Allocation Around Retirement Lazy, low-cost, broadly diversified ETF investors are momentum investors in disguise. Cap-weighted ETFs (such as VTI or VOO) use a momentum factor. Since they are cap-weighted, the better a stock does, the […]
3 vs 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 US bonds are sufficient. Vanguard recommends a 4 Fund […]
Cash Flows – Boring to Talk About Cash flows are a powerful tool in retirement planning. They are also extremely boring to talk about, and who wants to read a blog full of columns of numbers? You do? Ok, […]
It’s Time to Rebalance this Account I have a good-sized retirement account that I invested in the Merriman Ultimate buy-and-hold portfolio, and it is time to rebalance. Will you help me? I have $450 in cash in this […]
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 […]
Mitigations for Retirement-Specific Risks How do you mitigate retirement-specific risks? That is, what are your options to plan for future retirement risks? Some retirement-specific risks are more mitigatable than others. Let’s learn a little about your options for mitigation […]
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 […]
Asset Withdrawals in Retirement What is the optimal withdrawal strategy for a Retirement Portfolio? You have your portfolio, sure—your stocks and your bonds. But what is your retirement strategy for asset withdrawals? And how does that help mitigate the known […]
Sources of Income in Retirement What are the sources of income in retirement? Let’s develop a semi-comprehensive list and discuss when you might access each. Sources of Income Retirement accounts IRAs and 401k plans represent the largest bucket of […]
