REVISITING YOUR RISK TOLERANCE
I have been reading in my investor newsletters as well as several other authoritative sources that the markets, especially the US stock market are, at present, extremely overvalued. Some of these sources presented data that, they believe, clearly indicate we are in the final stages of a “market melt up,” similar to the the tech […]
Updated Asset Allocation
Recently I got a question from a reader who was nearing retirement about fixed income ladders. Our back and forth correspondence inevitably got into asset allocation. Since I had recently fine-tuned our own asset allocation, I thought I might present here how our financial assets are currently positioned.
A Tool to Help Monitor Your Investments
If you are like me, after years of working and saving money, you have several retirement related accounts spread around different financial institutions. In this post I will introduce you to a free online software tool that can help make monitoring your investments much easier.
Replenishing the First Bucket
In a recent post I discussed the importance of setting up a fixed income ladder as your first bucket of the Buckets Strategy. As a follow up to that concept, I would like to introduce another skill that a retiree managing his own portfolio for income should know. That is when you should sell your […]
Should You Use a Financial Advisor
I am often asked if I use a financial advisor. Financial advisors can be very helpful. In this post I will give my thoughts on whether you should use a financial advisor.
Increasing the Safe Withdrawal Rate, Part II
In my last post I discussed how the most reliable way that a retiree can increase the Safe Withdrawal Rate (SWR) is to work longer, thereby decreasing the number of years a portfolio must support someone in retirement. In this post I will discuss the one situation where it is possible to have your cake […]
The Buckets Strategy
My last post discussed why it is a good idea for most retirees or near-retirees to set up an income ladder to fund the first years of retirement. However, this income ladder is only the first step in an overall retirement income withdrawal strategy. Today I will discuss one particular strategy that is fast becoming […]
Post #22 – Constructing a Simple Portfolio
In my last post, Post #21, I provided some thoughts for choosing your investment vehicle for holding your retirement assets. The main point of that post was, when choosing investment funds, it is best for the average retail investor to pick funds with the lowest fees (i.e., lowest management expense ratio). After choosing your family […]
Post #20 – The 2 Biggest Investment Mistakes Made by People over 50
This will be a short post on the 2 biggest investment mistakes that people over 50 make. I have touched on these areas briefly in previous blogs, but I felt they are important enough that I wanted to address them more directly.
Post #15 – Managing your Investments in a Bear Market
This post will discuss an investment principle that is both simple to understand and easy to implement, the practice of “Re-balancing.” Re-balancing is a concept that many of you may already be familiar with. But I think it is one of the most important investment management principles you can follow, especially in a long term […]
