New benchmarks for retirement income management
With retirement income management becoming the primary objective of many investors, it's time for new investment benchmarks which reflect that. For decades, investors have been using the S&P 500 or the Dow Jones Industrial Average as defaults for investment performance. But constructing portfolios that track those benchmarks is of little value for investors who must live off the returns on their portfolios.
Do we still need ERISA? Only if we want to shortchange savers
With the technological advancements in money management platforms and payroll systems, one has to wonder whether the costs associated with ERISA compliance could be removed from the retirement plan system. If we could safely remove those costs, it's likely we could help employees accumulate between 20% and 30% more money for retirement. So it's worth considering.
To annuitize or not: The debate continues
In my last column, I provided an analysis of the income guarantees from a life-only, immediate annuity versus the likelihood of running out of money if you kept your retirement savings invested in the markets. I received a lot of comments on that column, and I thought I'd respond to several of them.
Should clients annuitize their retirement assets?
With the decline in the stock market over the last year, there is renewed interest in lifetime income…
Should clients annuitize their retirement assets?
With the decline in the stock market over the last year, there is renewed interest in lifetime income guarantees for retirees. So, does it make sense to annuitize retirement money or roll the dice with market based returns?
Protecting retirement assets from rising taxes
President Obama intends to raise income taxes on the rich, and since earned income is the source of…
Diversity is still king for portfolio protection
Safety and security for retired investors have been overrated, and we need to think differently about these concepts and about diversification.
Diversity is still king for portfolio protection
Safety and security for retired investors have been overrated, and we need to think differently about these concepts and about diversification.
Now may be the time to buy that vacation home
While there is a great deal of emotion that accompanies real estate purchases, the analysis from a financial standpoint basically comes down to a comparison of the costs of renting versus buying.
Now may be the time to buy that vacation home
Is it time for your retired clients to buy that vacation home they have always wanted? While…
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