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...]
456 Plus: 4% Rule, TFLO, Personal Inflation Rates, Emerging Latin America, and GIM
In Plus episode 456, we explore how to apply retirement spending rules when real estate properties will be sold during retirement. We consider the risks of investing in the iShares Floating Rate Treasury ETF (TFLO). We answer a question about the hoopla surrounding Treasury Inflation Protection Securities. Why has David not purchased a dedicated Latin America Emerging Markets Stock ETF. Update on the Templeton Global Income Fund (GIM). Become a Member If you would like to … [Read more...]
326: The New Math of Retirement Spending and Investing
How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed. Topics covered include: How managed payout and income replacement funds compare to immediate annuitiesWhy Vanguard and Fidelity changed the objective of their retiree focused income replacement and managed payout fundsHow fixed annuities workHow retirees should combine annuities with … [Read more...]
Investing Rule One: Avoid Ruin
How reducing exposure to a catastrophic event, such as running out of money during retirement, is a better strategy than trying to accurately predict a catastrophic event. In this episode you’ll learn: Show Notes Stock Market Charts You Never Saw by Edward F. McQuarrie The First Eighty Years of the US Bond Market: Investor Total Return from 1793, Combining Federal, Municipal, and Corporate Bonds by Edward F. McQuarrie Evaluating Gambles Using Dynamics by O. Peters and M. … [Read more...]
243: Do You Have Enough to Retire? FIRE Edition
What are the key metrics to determine if you have reached financial independence and can retire early. How major stock market losses can derail early retirement plans and what to do about it. In this episode you’ll learn: What is the FI/RE movement and why is Suze Orman concerned about it.What is the simple formula to determine if you can retire early.How large stock market losses can lead to early retirement ruin and what to do about it. Show Notes Why I hate the Fire Movement … [Read more...]
MNY152 Plus: Calculating Spending Rates and Vanguard Life Strategy Funds
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...]
MNY124 Plus: Small Cap Stocks and Retirement Withdrawal Rates
This week on Money For the Rest of Us Plus we look at the characteristics of small cap stocks and how their presence in a portfolio has impacted historically safe withdrawal rates. We also look at why small cap stocks are not included in the model portfolios. … [Read more...]
