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...]
460: Should You Be Invested 100% in Stocks Before and During Retirement? A Recent Study Says Yes.
The pros and cons of investing your retirement assets 100% in equity, including half in international stocks. Why the 4% spending rule is too aggressive. Topics covered include: Why historical asset class return studies that use only U.S. data are biased How researchers build a broader database to study retirement outcomes and spending rates How a 100% stock portfolio performed compared to balanced portfolios and target date funds Why investors should have half their assets … [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...]
306: Three Approaches to Asset Allocation
What are the three primary ways to allocate assets and build a portfolio when saving for retirement or living in retirement. Topics covered include How saving for retirement and living in retirement differ. What are the expected return and risk of the Permanent, Golden Butterfly, and All Season portfolios. What are the pros and cons of a role-based permanent portfolio. What are the pros and cons of a strategic portfolio mix, such as the Bogleheads Three Fund Portfolio What … [Read more...]
222 Plus: September 2018 Mid Month Update, Minimum Distributions and World Retirement Plan Rankings
This week September 21, 2018, we review current market conditions including market performance month-to-date, the potential impact of additional tariffs on the Chinese economy, how rising Federal Reserve policy rates are impacting U.S. consumer borrowing rates and how the tax cuts have boosted U.S. corporate profits. We also review the likelihood of a policy shift to reduce the minimum required distributions for U.S. tax deferred savings accounts. Finally, we look at world retirement plan … [Read more...]
174 Plus: Can A Member Still Retire Following Divorce, HSAs, Annuities, and Antifragile Investments
This week September 30, 2017 on Money For the Rest of Us Plus, we discuss a member's retirement situation following a divorce that severely reduced his net worth. We look at using Health Savings Accounts in the U.S. as retirement savings vehicles. We also evaluate using a TIAA traditional annuity as a fixed income alternative. Finally, we explore what "antifragile" investments might be expected to perform well during the next recession with a specific look at what it costs to hedge a stock … [Read more...]
165 Plus: Stock Buybacks and Is Savings Equal To 30 Years of Living Expenses Enough To Retire
This week July 20, 2017 on Money For the Rest of Us Plus look at how non-financial corporations have been the leading purchasers of U.S. stocks since 2009 while individuals and institutional investors have been net sellers. We also analyze whether savings equal to 30 years of living expenses is enough to retire and what a retiree can do to ensure they don't run out of money. … [Read more...]
158 Plus: Using Member Tools To Answer Retirement Savings Questions
This week May 20, 2017 on Money For the Rest of Us Plus we profile three members who have specific retirement savings and investing questions and show how to use the tools on Money For the Plus to get answers. … [Read more...]
