News

19
Mar

What To Do When Markets Plummet – Investor Behavior Gap

What To Do When Markets Plummet – Investor Behavior Gap Another concern is whether investors are disciplined enough to stay the course with the investment strategy in order to earn the underlying index market returns. Studies on retirement spending from investment portfolios typically assume that retirees are rational investors who rebalance right on schedule each year to their rather aggressive

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18
Mar

A Financial Lifeline You May Have Forgotten About

A Financial Lifeline You May Have Forgotten About So much has happened in the last few days and weeks that I feel like months have passed. Social distancing is now on everyone’s lips. And the goal is noble: flatten “the curve” and prevent more people from getting sick from the Coronavirus. The impact, though, is being felt in so many

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17
Mar

Making Your Investments Work For You: Things To Consider

Making Your Investments Work For You: Things To Consider Inflation We must remove inflation so the numbers allow for a better understanding of purchasing power growth. Real returns will be less because they preserve the purchasing power of wealth over time. Providing the discussion in terms of real returns allows us to plan for the assumption that future spending will

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11
Mar

How Much Can Retirees Spend On March 11, 2020? It May Not Be What You Think

How Much Can Retirees Spend On March 11, 2020? It May Not Be What You Think Turbulent market volatility and declining interest rates are leaving many people wondering about the viability of their retirement plans. Given where markets are today, will you have enough to meet your retirement spending goals? Attention often turns to the 4% rule, which is a

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10
Mar

How Much Should We Depend On The Stock Market?

How Much Should We Depend On The Stock Market? Simple analyses, which look to historical returns as estimates for what retirees should expect in the future, tend to provide an incomplete picture that may overstate the potential for stocks relative to other strategies. We will investigate some of the adjustments that should be made to historical returns to obtain a

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4
Mar

Inflation, Deflation, Confiscation & Devastation- The Four Horsemen Of Risk

Inflation, Deflation, Confiscation & Devastation- The Four Horsemen Of Risk Noted financial advisor and historian William Bernstein makes a compelling case for stocks in his e-book Deep Risk: How History Informs Portfolio Design. In the introduction, Bernstein begins by offering an operational definition of risk. Risk is the size of real capital loss times the duration of real capital loss.

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28
Feb

What To Make of Market Volatility

What To Make of Market Volatility In recent days, the significant market decline has resulted in renewed anxiety for many of you (I know this is blatantly obvious but stick with us). 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. Additionally, for

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28
Feb

Lessons For The Next Crisis

Lessons For The Next Crisis 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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27
Feb

Unpacking Today’s Market Returns

Unpacking Today’s Market Returns Today, March 9th, 2020, was a bad day for the financial markets. There are four main elements to this story that I want to pick apart… The post Unpacking Today’s Market Returns appeared first on Retirement Researcher. Source: Retirement Researcher Unpacking Today’s Market Returns

27
Feb

The Coronavirus and Your Investments

The Coronavirus and Your Investments The Coronavirus is scary. When it’s possible to make reasonable comparisons with the Spanish Flu, that should make you sit up and take notice. Aside from the reasonable precautions that you should be taking, what should you be doing to protect your investments from the disruptions that the Coronavirus may cause? We’ve already seen significant…

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