Portfolio Stress Testing A Portfolio Stress Test is an important consideration when considering the resiliency of your current assets in light of future potential risks. Future risks include known risks—market crashes, for one—and potential risks such as inflation and longevity. […]
Investing and Acute Stress Response When I went to med school, fight or flight were the two options for an acute stress response. Well, I guess humans have evolved since then (or at least our understanding of them has), […]
My Best Decade Make the next decade the best of your life. What is the alternative? A hero of mine who traveled a non-investing road is Jared Diamond. He had twins at age 49; he also says his 70s was the […]
Relentless Flying Monkeys The monkeys fly, and the narcissist cackles! Why do narcissists use flying monkeys to do their dirty business, and what can you do? You can imagine it’s complicated as the monkeys think they are just protecting your […]
Longevity Risk and Retirement Planning Longevity Risk and Retirement Planning go hand in hand. Longevity is the great risk multiplier in retirement! We all know the greatest fear in retirement is running out of money. The longer you live, the greater […]
3 or 4 Fund Portfolio? Why do Bogleheads and Vanguard disagree about exposure to International Bonds? Bogleheads advise a three-fund portfolio containing US and International equities (globally diversified) but submit that US bonds are sufficient. Vanguard recommends a four-fund portfolio that includes […]
The 10-Year Rule Increases Taxes What is the 10-year rule, and why is it important? After 2020, most non-spousal beneficiaries pay attention. The 10-year rule will cost you more in taxes passing on your pre-tax retirement accounts. Do […]
Where to take Investment Risks Should I take risk in my stocks or bonds? When constructing your portfolio, where do you take investment risk? Do you “gamble” in your stocks or your bonds? Wait, which one is low risk? While risk […]
Lifecycle Investing and 100% Equities for Life One hundred percent equities for life? That’s what a new paper on lifecycle investing recommends. Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice was published earlier this month and reported […]