Completing A Comprehensive Stress Test Of Your Retirement Plan

2019-05-16 08_36_51-WindowStress tests aren’t just for banks – they’re useful for retirement plans too! And a comprehensive stress test of your retirement plan involves more than just stress testing your portfolio: the author of today’s article advises that “you should stress test your venue, your retirement and income portfolios, and anticipated leisure pursuits.” For more on carrying out a comprehensive stress test of your retirement plan – including how to test whether your portfolio can survive a market shock and how many times it may be prudent to visit prospective retirement venues – CLICK HERE.

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The Problem With Safe Withdrawal Strategies – And A Better Way To Lifetime Income

2019-05-05 08_44_59-WindowStrategies for accumulating wealth receive much more attention than strategies for decumulating wealth despite the fact that, as the author of today’s article points out, nowadays the decumulation phase of one’s life can be just as long as the accumulation phase. He also acknowledges problems with safe withdrawal strategies, including the fact that there’s a good chance you’ll end up leaving money on the table when you die. Instead, he states, “If that’s not what you want — if your goal is only to spend as much as you can in your lifetime without running out — my calculations show that there’s a much better way.” For more, CLICK HERE.

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

2019-04-26 06_32_09-WindowHe’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 being staggeringly unprepared for retirement. For more on what financial fraud whistleblower Ted Siedle is warning of – including why the new normal for many Americans may become “Too frail to work, too poor to retire” – CLICK HERE.

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A “Divergent Thinker’s” Homey Retirement Formula

2019-03-23 22_29_16-System of equations photo by Antoine Dautry (@antoine1003) on UnsplashWhen it comes to determining how much money you need to retire, there is no lack of opinions out there. Today’s article, however, highlights “an elegant solution to the problem” devised by one financial advisor that the author describes as a “divergent thinker”: a simple formula based on the market value of your house. For this formula – and why the author declares that, when it comes to retirement savings, “The house drives everything. The house drives everything. The house drives everything.” – CLICK HERE.

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Delving Into “The Nastiest Hardest Problem In Finance”

2019-03-11 08_23_28-Rubik’s cube photo by Olav Ahrens Røtne (@olav_ahrens) on UnsplashToday’s article calls it “the nastiest hardest problem in finance”: retirement spending strategies. And unfortunately, despite the complexity inherent in retirement spending strategizing, it is often subject to simplistic rules of thumb, most notably the 4% rule. The author outlines the dangers associated with the 4% rule, how it “can go very badly”, and the implications of this for the FIRE (financial independence, retire early) movement. For more, CLICK HERE.

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Retirement Funding Strategies: To Bucket Or Not To Bucket?

2019-02-19 07_55_10-WindowWhen it comes to retirement funding strategies, it turns out there may be a hole in the popular bucket approach, making those strategies more likely to fail. That’s the finding of a recent comprehensive study of both bucket and non-bucket strategies. Why are bucket strategies more likely to fail than non-bucket strategies – and which retirement funding strategy did the study find was the best performer, with a 0% failure rate? CLICK HERE.

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Funds To Skinny Down Your Retirement Investments

2019-01-31 08_29_18-100+ Amazing Weight Loss Photos · Pexels · Free Stock PhotosThe author of today’s article advises that “when it comes to selecting investments for each part of your portfolio, you can really skinny things down by focusing on investments that provide a lot of diversification in a single shot.” She proceeds to highlight a number of funds that both retirement accumulators and those who are already in retirement could consider for this purpose – whether they are looking for a single-fund option or looking to employ a building-block approach. For more, CLICK HERE.

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The Top Reason Retirement Withdrawal Strategies Fail – And How You Could Get Screwed Twice

2019-01-10 22_36_27-Amazing Fail Photos · Pexels · Free Stock PhotosWhen it comes to the top three reasons that retirement withdrawal strategies fail, the author of today’s article sees them as (1) sequence of return risk, (2) sequence of return risk and (3) sequence of return risk. How might sequence of return risk be a greater problem for retirement withdrawal strategies than even low average returns, how can you “get screwed twice” by sequence of return risk if you’re especially unlucky, and what are some ways to alleviate sequence of return risk? CLICK HERE.

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Are Things Turning DIRE For FIRE?

2019-01-04 21_33_15-Fire Pictures · Pexels · Free Stock Photos“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 movement: DIRE (Delay, Inherit, Retire, Expire). CLICK HERE for more.

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