Retirement Watch Weekly
Retirement Income Strategies: Avoid Widespread Mistakes and Solve the Key Retirement Problem
In my new Retirement Watch Spotlight Series, I’ll share my newest breakthrough strategies for protecting your assets and growing your portfolio, including how to prepare for the next market downturn. Click here now to learn more. […]
Bob’s Journal for 9/7
Lessons from the Nvidia Surge The top-returning stock of the year so far is NVIDIA (NVDA). The second-best stock isn’t even close. NVDA also is the top-performing stock of the last 10 years, according to Bespoke Investment Group. Again, second place isn’t close. NVDA was up 230% in 2023 through the end of August. Over […]
Recent Law Simplifies QLACs, Increases Their Benefits
The benefits of adding a qualified longevity annuity contract (QLAC) to your IRA were increased and made easier to take advantage of in a recent law. A QLAC delays some required minimum distributions (RMDs) and generates guaranteed lifetime income after that, ensuring you never run out of income during retirement. Some people also consider them […]
Bob’s Journal for 8/31
IRS Delays New 401(k) Catch-Up Contributions Rule The IRS recently announced that it was delaying the effective date of a rule on catch-up contributions enacted in late 2022 as part of the SECURE Act 2.0. The new rule provides that any catch-up contribution to a 401(k) or similar plan made by an employee earning more […]
Social Security Benefits for Divorced Spouses
There’s no such thing as “divorce benefits” in the Social Security law, but divorced spouses are eligible to receive benefits based on an ex-spouse’s earnings record. Spousal benefits are often available to ex-spouses and on fairly liberal terms. Divorced spouses sometimes have better options and more flexibility than current spouses. But a small difference in […]
Bob’s Journal for 8/24/23
Long-Term Returns Are Driven by Very Few Stocks Treasury bills earn higher returns than most stocks, according to a recent update and expansion of a classic study. A group of economists led by Hendrik Bessembinder of Arizona State University surveyed returns of 64,000 global stocks from January 1990 to December 2020. The research found that […]
Markets Fight the Fed
The markets are fighting the Federal Re- serve, making the Fed’s job harder and increasing uncertainty about the economy and markets. Fed officials openly stated they’re serious about controlling inflation, and backed the words with action, rapidly raising interest rates and reducing the Fed’s balance sheet. The more actions the Fed took, the more optimistic […]
Social Security Benefits for Divorced Spouses
There’s no such thing as “divorce benefits” in the Social Security law, but divorced spouses are eligible to receive benefits based on an ex-spouse’s earnings record. Spousal benefits are often available to ex-spouses and on fairly liberal terms. Divorced spouses sometimes have better options and more flexibility than current spouses. But a small difference in […]
