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: Show Notes The Shift that Redefined Retirement Security by Shashwat Vidhu Sher—SSRN Was the 401(k) a Mistake? by Michael Steinberger—The New York Times Magazine Who Has Retirement Accounts? New Data Reveal Inequality in Retirement Account Ownership by Maria G. Hoffman, Mark A. Klee and … [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: Show Notes Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice by Aizhan Anarkulova, Scott Cederburg, and Michael S. O'Doherty—SSRN The Safe Withdrawal Rate: Evidence from a Broad Sample of Developed Markets by Aizhan Anarkulova, Scott Cederburg, Michael S. O'Doherty, and … [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. Become a Member If you would like to listen to this episode of Money For the Rest of Us Plus, you can do so by becoming a Money For the Rest of Us Plus member. Learn More About Membership Options » 344 … [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 Show Notes Jiro Dreams of Sushi—Magnolia Pictures Portfolio Charts Episode Sponsors NetSuite The Great Courses Plus Learn More 201: Is Your Portfolio Unbalanced? 229: Stop Maximizing Your Returns Using Modern Portfolio Theory 254: Should You Be 100% Invested In Stocks? 255: With Interest Rates Falling, … [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...]
