A client brought up the concept of being too diversified recently, and it gave me pause. My initial reaction was that there is no such thing . Diversification is a good thing. It allows you to minimize risks inherent in individual investments (co…
A client brought up the concept of being too diversified recently, and it gave me pause. My initial reaction was that there is no such thing . Diversification is a good thing. It allows you to minimize risks inherent in individual investments (company…
With the recent market volatility this last month and the upcoming mid-term elections, it is not uncommon to receive questions regarding the potential market reactions. Dimensional provided a great little piece on this below. The two exhibits that acco…
With the recent market volatility this last month and the upcoming mid-term elections, it is not uncommon to receive questions regarding the potential market reactions. Dimensional provided a great little piece on this below. The two exhibits that acco…
Often the least sexy advice is the right advice. It’s not exciting, but it will accomplish your goals. This goes for investing, too. Think of your portfolio as a farm. You’ll have good years and bad years, but if you focus on the important parts and do…
Often the least sexy advice is the right advice. It’s not exciting, but it will accomplish your goals. This goes for investing, too. Think of your portfolio as a farm. You’ll have good years and bad years, but if you focus on the important parts and do…
Often the least sexy advice is the right advice. It’s not exciting, but it will accomplish your goals. This goes for investing, too. Think of your portfolio as a farm. You’ll have good years and bad years, but if you focus on the important parts and do…
Building a diversified and effective investment portfolio is an important part of creating an efficient retirement income plan. Much of the research around retirement income planning tends to focus on other matters and not put a lot of weight on portfo…
Deciding when to retire can be a nerve-wracking decision. You’ve spent the last few decades working toward, and preparing for, retirement. How do you know when to call it a career? If you don’t have a retirement income plan in place, then really, you’re just guessing and hoping for the best. It’s possible everything will work out, but you’re taking a shot in the dark – with the rest of your life. You can be a lot more confident if you do have a retirement income plan in place – and you’ve been working on that plan. Pulling the trigger and starting your retirement will still be stressful (I still get nervous and triple check the dates whenever I buy plane tickets), but you’ll know you have given yourself the best chance possible to reach the retirement you have always wanted. The first, and most often overlooked, step is to decide what your retirement will look like. What do you want to do? What will make you feel fulfilled over the long term? Remember, you’re potentially looking at thirty-plus years of retirement. That’s a lot of Law & Order reruns and rounds of golf. Once you know what you want […]
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A lot of people expect to work past “retirement age.” They either figure that they will need the additional income to live, or they just enjoy their work and everything that comes with it. Planning to work in retirement is a dangerous game. Working longer can have a huge impact on your retirement situation – not only will you still have an income, but you also won’t be pulling money from your savings. However, almost half of retirees leave the workforce before they planned to, and of those who retired early, over half left because of a personal or family health issue. That should be terrifying if your retirement income plan hinges on you working into your 70s. If you want to work in retirement, that’s great. But you need to recognize it’s a risk. You may not have that option. You owe it to yourself to look at the situation rationally and understand just how feasible your plan is. While 70 percent of companies say they are “aging friendly,” that doesn’t really mean all that much. Frankly, I’m curious about the third of companies that said they weren’t “aging friendly.” You need to look at what your company and […]
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