Rick Ferri: The Education of an Index Investor
Rick’s ideas on the Education of an Index Investor.
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Investment-Only Variable Annuities: Repurposing Expensive VAs
A Less Expensive Variable Annuity Option: IOVA IOVA Annuities can be less expensive than other Variable Annuities and can be considered if you want to repurpose other expensive insurance products. Regular variable annuities are expensive, complex, and can be full […]
How to Beat Your Insurance Agent’s Returns
How to Beat Your Insurance Agent’s Returns Last time I discussed how to beat your stock broker’s returns, so now I thought it was high time to do the same for the insurance agent’s returns. How can you double […]
Indications for Whole Life Insurance for Physicians
When Should Physicians Buy Whole Life Insurance? Let’s clarify: Whole Life Insurance is Contra-Indicated for Most Physicians! But what are the INDICATIONS for whole life insurance? When should you, as a physician, buy whole life insurance? Despite all the vitriol […]
Flexible Estate Plans
Qualified Disclaimers: Flexible Estate Plans A Flexible Estate Plan allows decisions to be made in the future when more is known. Qualified Disclaimer Estate Planning is flexible and tax-efficient. Pay attention if you have beneficiary forms that control how assets pass […]
What is the HSA and Medicare Penalty?
HSA and Medicare Penalty: the HSA Medicare 6-Month Rule What is the HSA and Medicare Penalty? Did you know that Medicare enrollment impacts your ability to make HSA contributions? That is, you cannot make any HSA contributions when you are […]
QHFD: Using IRA to fund HSA
QHFD: Qualified HSA Funding Distribution QHFD (Qualified HSA Funding Distribution). What a fun term. If you are less than 59 years old and have an HSA, consider funding it with your IRA. Especially if an inherited IRA or there is basis […]
Echoism
Echoism – The Opposite of NPD Echoism is the so-called opposite of narcissism. As we know, narcissistic traits are common and frequently adaptive (or healthy). Only when you get far out on the scale, do the traits […]
Using RMDs to Assess Asset Allocation
Asset Allocation Using RMDs Can you use Required Minimum Distributions (RMDs) to help determine your asset allocation in the retirement drawdown phase? Imagine you are living off your assets (taking an income from your nest egg). What might your asset […]