“Set it and forget it” a terrible portfolio philosophy Robert Barone, Ph.D. 2:53 p.m. PDT April 30, 2015 Neither passive investment strategies nor robo-advisors can maximize profits as well as active management Today’s Wall Street is perpetuating the idea that investor portfolios cannot perform better than the market indexes. The markets are “efficient,” they say, and the only way to increase return is to take more risk. This is a …Read More
Tag Archives: retirement portfolio
Possible retirement account changes on tap
Originally published in Tahoe Daily Tribune’s website, http://www.tahoedailytribune.com/news/opinion/15083209-113/tahoe-truckee-market-beat-possible-retirement-account-changes-on-tap Estimating future events is part of the financial planning process. Planners estimate things like life expectancy, inflation, stock market returns and interest rates. We don’t know exactly where any of these factors will be in the future. Another uncertainty are the rules that we follow as we plan. Just because the rules are written one way today doesn’t mean that they can’t …Read More
What type of IRA account is right for you?
Originally published on Tahoe Daily Tribune’s website, http://www.tahoedailytribune.com/northshore/14995245-113/tahoe-truckee-market-beat-what-type-of-ira-account-is-right If you’re thinking about funding an IRA this year, you have until April 15, or the day you file your taxes, whichever is earlier, unless you file an extension. Which type of IRA you should establish depends on several factors, and there are calculators available online to help with the decision-making process. Your IRA account can be used to invest in stocks, …Read More
Keeping tabs on the economy and your retirement portfolio
No matter what phase of the retirement cycle you’re in, it helps to educate yourself as much as possible about the investment process. Whether you’re a do it yourselfer or work with a team of trusted advisers, you should understand the basics of financial planning, financial products and investment returns. It also helps to have a basic understanding of global economics and keep tabs on the big picture of our …Read More
4% is more of a guideline than a rule
Originally published on Marketwatch.com http://www.marketwatch.com/story/4-is-more-of-a-guideline-than-a-rule-2014-08-26 In my last column I wrote about some considerations retirees should make when calculating how much money they are planning to withdraw from their retirement portfolio. I closed that article with a very brief discussion of the Trinity Study, also known as the 4% rule. The Trinity study was originally done in 1998 and found that by starting your retirement income at a rate of …Read More
4% Rule calculating your retirement withdrawals
There are many factors to consider when deciding how much you should withdraw from your retirement portfolio annually. You need to think about life expectancy, the rate of return on your investments, inflation and your personal goals for your assets in addition to your income needs. In the case of a married couple who retires at age 65, there is a good chance that one of them will live for …Read More
