This week April 8, 2017 on Money For the Rest of Us Plus we look at the mechanics of calculating retirement spending rates. We also compared the Vanguard Life Strategy Funds to the model portfolios found on Money For the Rest of Us Plus. … [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...]
61: How Much Should You Spend In Retirement?
Why your retirement spending rate should vary over time based on individual and market circumstances. Photo by J.D. Stein In this episode, you'll learn: What are the unknowns that make determining a retirement spending rate so difficult.What are some issues with the 4% retirement spending rule.What is Monte Carlo analysis and what are some of its potential flaws.What is sequence of return risk.Why is it better to start with a low equity allocation in the early years of retirement … [Read more...]
32: Die Broke
How to deplete most of your assets before you die by using single premium immediate annuities. Photo by Christian In this episode, you'll learn: What are individuals top financial worry.How wealthy are pre-retirees.What are the traditional three-legs of retirement income.A way to create your own pension plan without having to rely on market returns.How do single premium immediate annuities work and how are they priced.What happens if an annuity provider goes bankrupt. Show … [Read more...]