We review the latest data for safe retirement withdrawal strategies such as the 4% rule. We also introduce the new retirement withdrawal calculator
We claim that IRAs in a brokerage now offers better and cheaper investment choices than a typical 401(k) plan.
High yield bonds, managed correctly, can be a valuable addition to boost fixed income returns.
Cadence Design Systems 401(k) provides some good investment options in US stocks, international stocks and bonds. However, it lacks of exposure to REITs and emerging market stocks. Its fund expenses are low.
We propose a core satellite portfolio solution to 401k accounts that have active constant new contributions.
At the current market environment, it is pertinent to explore how to adding a risk management layer to a strategic buy and hold portfolio.
The latest newsletter collection that incorporates newsletters since last update in March.
We modified several brokerage specific commission free plans to make them less bloated and easier to maintain.
High yield bonds are not necessary in asset allocation. They can be substituted with highly liquid and pure stock and Treasury indexes.
Stocks are historically weaker in summer. This is one of few prominent stock market anomalies investors should be aware to make a proper risk management decision.
Looking at historical data, one can see that in the rising rate environment from 1940-1982, stocks tended to do better while in the meantime, bonds suffered. But are we in a similar era as in those years?