Retirement Spending
Found 156 Articles.
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Insights on Thefts from Seniors
Financial advisors are becoming more aggressive about protecting senior citizens from financial fraud and abuse. They’re being trained to recognize the warning signs and are urged to be proactive when they see something wrong. The larger financial firms train their financial advisors on the issue and have some staff members dedicated to following up and […]
Identifying and Avoiding the Risks behind the Headlines
Will there be major economic and financial policy changes in 2017? Should your portfolio be adjusted to reflect those changes? Those questions dominated the recent MoneyShow Orlando. As I’ve said recently, we are in a period of exceptional uncertainty. A wide range of policy changes is possible, and that means a wide range of economic […]
Underestimating Safe Spending in Retirement and the 4% Rule
Many people are familiar with the 4% rule, or the safe spending rate. Research indicates you can withdraw the same inflation-adjusted amount from your nest egg for at least 30 years if you withdraw about 4.2% the first year. But a lot of assumptions go into that number. This article points out that one assumption […]
Tips for Living on $60 Per Week in Retirement
A CNBC reporter decided to see if she could live for two months on $60 per week, after her fixed expenses. As a progress report she offers these five strategies on enjoying your life while spending less. It’s all good common sense. One thing I’ve noticed is that, regarding money, today’s young adults are more […]
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Managing Portfolios Amid Political and Market Volatility
Just hours after the Nov. 8 U.S. election results were known, Wall Street’s analysts and economists decided they knew exactly what a Donald Trump administration would mean for the economy and markets. Investors agreed so readily that the first two years of Trump policies already seemed to be reflected in the markets within the first […]
Could You Be Saving Too Much for Retirement?
The media regularly run headlines about how Americans are unprepared for retirement, primarily because they haven’t saved enough. But there’s another view that doesn’t receive as much attention. In this view, many people might be saving too much for retirement. That could be good news for their heirs, but they could be shortchanging themselves. Using […]
How Even Sophisticated People Are Scammed
People who never expected to be victims of scams and frauds often are victimized. The stereotype is that older people with reduced cognitive abilities are the most likely to be scammed. But many other people are vulnerable, and those who don’t fit the stereotype need to stay alert for potential scams. Self-confidence is one factor […]
Revisiting the 4% Rule
I’ve been a long-term critic of 4% as the “safe spending rate” or the 4% rule. The basic premise of the 4% rule is that to ensure your nest egg lasts through retirement, you should withdraw no more than 4% the first year and increase it by the inflation rate each year after that. This […]
