Retirement Insights

2020 – Q1 Quarterly Market Review

By Paula Friedman, CFP®, AIF®, CPFA

Q1 2020 – Quarterly Market Review

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Is Buying an Annuity in a Bear Market a Good Idea?

By Wade Pfau, Ph.D., CFA

As the stock market experienced unprecedented growth over the past eleven years, many people were naturally less interested in the lifetime income options from pensions or annuities. Who wouldn’t rather have all the assets today so they can invest them…

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CARES Act Provides Relief to Individuals and Businesses

By Bob French, CFA

On Friday, March 27, 2020, the Coronavirus Aid, Relief, and Economic Security (CARES) Act was signed into law. Major relief provisions are summarized here.

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Adjustments For A Conservative Return Assumption

By Wade Pfau, Ph.D., CFA

Consider three scenarios: An individual investing a lump-sum amount for thirty years An individual saving a fixed percentage of a constant inflation-adjusted salary at the end of each year over a thirty-year accumulation period An individual withdrawin…

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A Guide to a Conservative Return Assumption

By Wade Pfau, Ph.D., CFA

A simple approach for building a financial plan is to decide on a rate of return for the investment portfolio and to plug that value into a spreadsheet to represent assumed asset growth. Historical data may be used to calculate historical average retur…

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Planning For The Future – What About Bond Yields?

By Wade Pfau, Ph.D., CFA

Adjustments for Current Bond Yields An important consideration is that current interest rates are lower than the historical averages. The historical average return is not relevant for someone seeking to estimate future market returns from today’s start…

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Unpacking Today’s Market Return

By Bob French, CFA

Today, March 9th, 2020, was a bad day for the market returns. There are four main elements to this story that I want to pick apart…

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What to Make of Market Volatility

By Alex Murguia, PhD

In recent days, the significant market decline has resulted in renewed anxiety for many of you. While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing.

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Lessons for the Next Crisis

By Alex Murguia, PhD

We wrote this in 2017 and it remains just as relevant today. In early October 2007, the S&P 500 Index hit what was its highest point before losing more than half its value over the next year and a half during the global financial crisis. Over the coming weeks and months, as other anniversaries of…

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