Why 401k and other defined contribution schemes are flawed, leading to a generation of workers unprepared for retirement. What are the solutions to fix the mess. Topics covered include: Why 401k and other defined contributions haven't worked, despite their popularity Why defined benefit pension plans declined Why 401k plans are treated like emergency funds How to combine the best of 401k and defined benefit pension plans Show Notes The Shift that Redefined … [Read more...]
425 Plus: Bank Contagion Update, Mid Cap Value ETFs, SEC Yields, and Deciding When to Retire
In Plus episode 425, we provide an update on the U.S. banking situation and the potential impact on financial markets and the economy. We look at mid-cap value investing and profile three mid-cap value ETFs. We also review a small-cap value with momentum ETF. We review what unsubsidized SEC yields are. Finally, we consider whether a member has enough to retire. … [Read more...]
344 Plus: What Happens When You Have Saved Enough – The Dragon Portfolio
In Plus Episode 344, we discuss what to do when you have more than sufficient assets for retirement but continue to generate a surplus because you enjoy working. We also compare the Artemis Capital Management Dragon Portfolio with other role-based permanent portfolios. … [Read more...]
279: Why All Retirees Should Consider an Income Annuity
Retirees face two big challenges. The first is how to invest their retirement assets. The second is determining how much they can withdraw each year from their retirement portfolios. What many retirees don’t realize is these challenges can be greatly reduced by paying for essential retirement expenses from guaranteed income sources. Guaranteed income sources include Social Security, pension plans, and annuities. Surprisingly, only about 10% of retirees partially fund their retirement … [Read more...]
195 Plus: Can This Family Retire?
This week March 10, 2018 on Money For the Rest of Us Plus, we analyze a member's financial situation and investment portfolio to see if they are able to retire even though they are in their mid forties. As part of the analysis, we look at why increasing stock exposure actually increases the probability of retirement ruin. … [Read more...]
161: What You Need To Know About Retirement Calculators
How retirement planning and retirement spending calculators work and what are some of their flaws. Why figuring out how much money you will have when you retire and how long it will last is a lot like the work hydrologists do to figure out whether Phoenix or Los Angeles will run out of water. Photo by Andrew Branch In this episode you’ll learn: How aquifers, aqueducts, rivers and springs are like retirement assets. What is water banking. What is the difference between … [Read more...]
157 Plus: Unanticipated Retirement Expenses, Aggressive Portfolios and KYN
This week May 13, 2017 on Money For the Rest of Us Plus we look at some large retirement expenses that sometimes get overlooked. We revisit David's recent decision to reduce his exposure to the Kayne Anderson MLP Investment Company. Finally, we discuss why the Aggressive Model Portfolio is not more aggressive in terms of stock exposure. … [Read more...]
149: Do You Have Enough To Retire?
How to estimate how long your assets will last in retirement and the steps you can take to take make them last longer. Photo by Morre Christophe In this episode you'll learn: Has a secular bear bond market started.How to determine a bond fund's interest rate risk.How to do a mind the gap analysis to estimate how long retirement assets will last.Why there is not a compelling benefit to adding U.S. small cap stocks to a portfolio in the current market environment. Show … [Read more...]
