Retirement Insights
4 Ways to Manage Sequence of Returns Risk in Retirement
Sequence of returns risk, or sequence risk for short, is the risk that you will need to take distributions from your investment portfolio when the market has recently declined. Taking distributions when the market has gone down effectively “costs” more than at other points in time because you are forced to sell your investments at…
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Review: Investors flock to ‘macro’ hedge funds, but not only the old guard
Looks like certain hedge funds are back in style now. With the constant conveyor belt of hot new investments, as soon as something starts to lose its luster, there’s always something ready to take its place. This time, at least according to the article, it’s macro hedge funds. Macro hedge funds are basically hedge funds that…
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Review: 11 ways to reduce next year’s tax bill
Hopefully you’ve been able to close the books on last year’s taxes by now. But that doesn’t mean you should ignore them for another year. Now’s the time to make sure that you are doing everything you can to minimize your taxes in the future. This article has some suggestions on how to make sure…
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What is the Stock Market?
The stock market is confusing. When you talk about it, people tend to nod their heads sagely and make bland comments, like they do with most things relating to the economy. We know it’s important, and most of us hope it will provide us the retirement we want – but we don’t actually understand it,…
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Indexes 101, Part 2: Why So Many Indexes?
Remember when the financial media was positively giddy over the fact that the Dow Jones hit 20,000 points earlier this year (and we weren’t so impressed)? In part one of this series, we looked at what exactly the “points” measure in market indexes (not always what you might expect, as it turns out). Today, I…
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Why Does Everyone Experience Such Different Retirement Income Outcomes?
Individual investors are vulnerable to the sequence of market returns experienced over their investing lifetimes. Individuals who behave in exactly the same way over their careers (saving the same percentage of the same salary for the same number of years) can experience disparate outcomes based solely upon the specific sequence of investment returns that accompanies…
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What Does It Mean When People Say the Trump Rally Has Created an ‘Overvalued’ Market?
The financial markets are interesting things. Their direction is largely determined by emotion, yet everyone pretends they are based on cold, hard numbers. Past market behavior is easily quantified, so people feel like if they just study the numbers enough or use the right models, they’ll be able to figure out what will happen next.…
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Review: 5 Things You Need to Know to Reach Your Financial Goals
This is one of the best retirement “tips” articles I’ve read in a long time. Retirement is generally pretty straightforward. It’s a lot like losing weight and living a healthier lifestyle. Everyone kind of knows what they need to do to reach their goals, at least in a general way, but very few people actually want…
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Review: A new market high: First ETF to target marijuana stocks
The financial services industry can be incredibly creative when it comes to money. And one of their favorites is to launch products around the hot new trends – whether they are actually useful isn’t really important. And marijuana legalization is definitely one of the hot new trends – especially in Canada where a marijuana ETF…
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