Half a percentage point. That is what one assessment suggests to expect return-wise from a balanced U.S. stock and bond portfolio over the next 10 years (before fees and taxes!). So what would the effects of an era of “persistently low returns” be on retirement strategizing? Today’s article examines the implications for 401(k)s, annuities, Social Security, medical care, alternative investments…
“Today, we are at peak FIRE, perhaps similar to peak crypto reached in December 2017. Unfortunately, when you’re at the peak, there’s usually nowhere to go but down,” laments the author of today’s article, who warns that the FIRE (financial independence, retire early) movement “is in for a rude awakening” — and poised to be overtaken by a new retirement…
How do you calculate how much income you will need in retirement (and how much you need to save for retirement given that figure)? What kind of retirement account is right for you? What makes a good 401(k) plan (and how can you make the most of your 401(k) plan)? What about fees, asset allocation, and retirement income streams? And…