April 2019

Retiring At The (Market) Peak: How Bad Is it?

What happens if you have the bad luck to retire at a market peak, right before a brutal bear market (a scenario that many approaching retirement right now may be especially concerned about)? The author of today’s article runs the numbers to determine what effect this has on a portfolio’s value over the course of a retirement – and his… 

A Disturbing Warning About Retirement In America From “The Sam Spade Of Money Management”

He’s been called the Sam Spade of money management, the financial watchdog, and the pension detective. And now he’s warning that “We are on the precipice of the greatest retirement crisis in the history of the world”, with millions of elderly in the United States alone at risk of falling into poverty in the coming decades as a result of… 

Nudging Towards A More Secure Retirement

“Money and rationality don’t always mix…That’s especially true with retirement,” notes the author of today’s article. Just one example of many: The fact that nearly half of Americans claim Social Security benefits as soon as possible (age 62), foregoing a significantly larger benefit had they waited. Fortunately, insights from behavioral finance can help “nudge” individuals towards making more rational decisions… 

The “Toxic Combination” That Could Crash The Stock Market – And The Economy

A tragedy is unfolding,” warns the author of today’s article regarding the U.S. stock market – and the potential for a crash that could topple the economy. The critical factors? “All-in dovish central banks, a renewed desperate hunt for yield, FOMO, a U.S.-China trade deal, record buybacks, trillion-dollar deficits ($1.1 trillion for 2019, to be exact, and rising) and a… 

No Retirement Savings? There’s An Austerity Solution For That!

If you’re in your 30s, 40s or even 50s and, like many Americans, have little-to-nothing saved for retirement, the author of today’s article has some words of encouragement: “You are not screwed. The only way you are screwed is if you are at retirement age already. Then it is kind of too late. But if there is any time on… 

Look To The Boomers For The “7 Deadly Sins” Of Retirement Planning

Despite having been the recipients of many advantages when it came to saving for retirement, a new study focused on the retirement preparedness of baby boomers finds they are shockingly unprepared overall. Among its findings? Barely one in 10 boomers has a sufficient amount saved for retirement – and nearly half have no retirement savings at all. Today’s article proceeds… 

How To Build A Dividend Portfolio To Fund Your Retirement

When it comes to funding his retirement, the author of today’s article intends to do it with the dividend income his equity portfolio generates, noting that “Dividend payments are more stable than share prices and the potential for capital gains, which makes them an ideal source of income for retirement. Historically, US dividend growth has exceeded the rate of inflation.… 

What Makes This Stock A “Table-Pounding” Retirement Portfolio Buy

The author of today’s article has his entire life savings and net worth invested in his recession-proofed “real money retirement portfolio” and is highlighting his latest purchase – a low-risk, high-yield dividend blue chip that is currently significantly undervalued despite “its strong quality score, good long-term growth prospects, and solid management team”, creating the potential for it to deliver total… 

“Bad Losses In Bad Times”: The Risk With Substituting Dividend Payers For Bonds In Retirement

While the author of today’s article acknowledges that there is much to make dividend-paying stocks appealing as a source of cash flow in retirement, she warns “I get nervous when retirees use them to take the place of bonds altogether. And I think retirees should get nervous, too.” What’s not to like, for retirees, about dividend payers, according to the… 

The Secret Of The Super Savers

How are so-called “super savers” – people who save 20% or more of their incomes – able to be super savers? New research has identified “the single biggest difference between what super savers spend less on, as compared to the rest of us” – something super savers spend just 14% of their incomes on compared to 23% for non-super-savers. To…