Retirement Insights
Total Return vs. Income Investing: Same, but Different
Retirees can take two main approaches to spend from portfolios. The first is to focus on income and dividends produced in the portfolio, a.k.a. “income investing.” The second is to sell assets as appropriate to meet spending needs. From your portfolio’s point of view, they’re basically the same thing. There is no economic difference between…
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Are Republicans or Democrats Better for the Stock Market?
Is there anything in historical data that can help us sort out which candidate, Trump or Biden, is going to be better for the stock market?
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Is Buying an Annuity in a Zero Interest Rate Environment a Good Idea?
The Federal Reserve’s decision to cut its benchmark federal funds rate from 1% to a range of 0% raises significant questions for those reassessing their retirement nest egg—a common occurrence following a dramatic selloff in equities according to resea…
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Is Buying an Annuity in a Bear Market a Good Idea?
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
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
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
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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