Three Accounts and the 3-Fund Portfolio Simplicity is a 3-fund portfolio. US and International equity funds and a bond fund are baked together in a set asset allocation. There is much more to consider when you have different account […]
Deep dive into Asset Location Optimization and Tax-Efficient Fund Placement. This is Asset Allocation in Multiple Accounts!
How to Invest Conservatively for Retirement If you are retiring soon, you might wonder: How conservatively should I invest? Given the sequence of return risk and the other retirement-specific risks, what asset allocation should I have? First, let’s look at a […]
Bond Alternatives People have way too much cash right now. Yet, some fear bonds after what happened in 2022. You need safer assets in your portfolio once you have passed the accumulation phase. Cash has poor long-term returns and is […]
In a New Era of Bonds Do I need Bonds in my portfolio? Bonds were a big loser during 2022 and ZIRP (zero interest rate period). We are in a new bond era with a non-zero interest rate, so […]
Tax Rate Arbitrage and Roth Planning Tax rate arbitrage is an important concept in retirement planning. You must understand tax rate arbitrage to buy the government out of your retirement. When should you harvest or accelerate income, and when should […]
Taxation of Long-term Capital Gains A separate (and some would say mystical) taxation system exists for long-term capital gains and qualified dividends. Let’s discuss the Long-Term Capital Gains Tax and how the standard deduction applies to capital gains. Ordinary income […]
Should You Rebalance Your Portfolio in Retirement? When you are retired, should you rebalance your portfolio? Of course, it depends on your goals, timeframe, and the purpose of the money. But what evidence supports portfolio rebalancing when retired? I will […]
Moving to a De-Accumulation Portfolio in CoastFI Typical retirees use bonds to reduce sequence of returns risk in retirement. When you are CoastFI, you aim to earn enough money to pay the bills and let your retirement accounts compound […]