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Retirement Income Funding

What Risks Are Worth Taking

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Risk drives everything about your investments, but all risk is not created equal. For most investors (and most of the financial industry) dealing with risk is a lot like making sausage. People want what it gets them, the investment returns, but they do…

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Why You Make Profit From Investing

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Almost everyone knows that they need to invest their money to help prepare for retirement. It’s one of the keys to getting where you want to go. The markets may (ok, they will) bounce around in the short-term, but over the long-term they have done very…

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Preparing for Retirement When You’re Starting Late

By | Retirement Income Funding, Retirement Income Frameworks, Efficient Retirement Income, Safe Savings Rates, Spending Flexibility, Spending Goals, Long-Term Care | No Comments

Everyone knows that you’re supposed to start saving for retirement early, but that doesn’t always happen. In fact, if you look at the numbers, it’s actually pretty rare. Most people are woefully unprepared for retirement, but you can change that. Prepa…

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Review: When to Switch from a Roth IRA to a Traditional 401(k)

By | Retirement Income Funding, Weekly Review | No Comments

Most people don’t really know whether they should use a traditional or Roth IRA or 401(k). It often simply comes down to the path of least resistance (or nothing at all). The standard advice is pretty straightforward – if you think your tax rate will be lower in retirement than it currently is then you should use a traditional IRA or 401(k). If you think your tax rate will go up in retirement, then you should put your money into a Roth account. What retirement accounts essentially do is allow you to choose when you want to pay taxes on your investments, so you want to pick whenever (you think) you will pay the lowest rate. But this article brings up an interesting wrinkle that I hadn’t considered before – for a lot of investors having wide open investment choices is not actually a good thing. When you can choose anything, a lot of people end up choosing nothing because they either get confused or just don’t want to deal with trying to sort everything out. If these types of folks stick with their company’s 401(k) plan (and the vast majority of 401(k) plans don’t offer the option of Roth […]

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