A Million Dollars Isn’t What It Used To Be

A million dollars isn’t what it used to be.   Usually when you hear that statement, a story about inflation and eroding purchasing power is sure to follow.  While that is true, today I’m addressing a different aspect:  The interest on a million dollars isn’t what it used to be. Back in March... 

The Major Flaw of Dividend Income Plans

There is a raging debate regarding the best way to live off your portfolio.  Young adults are told, by those older and wiser, to save and invest for retirement.  There is never a shortage of ideas and suggestions on how to build a nest egg.  For those lucky enough to have accumulated a nest egg large... 

5 Considerations For Deciding Where To Retire

Deciding where to retire can be challenging.  There are many factors to consider when thinking about where to spend your next phase in life.  The answer is always personal and can be affected by a multitude of motivations. When considering where to retire, there are a few major thoughts to ponder –... 

Should You Retire Abroad?

A key factor in retirement happiness is where you retire. Familiarity, the relationships, and other factors tend to keep us planted at home when we retire.  Most American retirees plan to spend their leisure years somewhere in the United States.  However, a stateside retirement is not the only option. If... 

The Cost of Retirement Happiness

US News recently discussed the secrets to a happy retirement. They found that people who are most content in their “golden years” have several common qualities.  In addition to the proverbial good health and personal satisfaction, there were some fascinating findings: not too much TV, not being... 

Investing in Currencies

Investment managers use many different assets to construct portfolios.  One of the top tools for mitigating risk is good old-fashioned cash.  However, cash does not always have to be in US Dollars.  Investors can store their hard-earned savings in other currencies, too.  But currency values fluctuate;... 

ETFs and Mutual Funds in Asset Allocation

Building a properly allocated portfolio requires the right tools.  The first step is to understand the tools of the trade in asset allocation.  Professional investment managers often use diversified pools of securities as one of these tools.  While there are different kinds of pooled investments,... 

Asset Allocation: The Great Balancing Act

Last week we explored the first part of asset allocation in Asset Allocation: Tools of the Trade. We reviewed the asset classes investment managers use to build portfolios for their clients. This week we will explore how client portfolios are constructed and change over time as assets are deployed.... 

Asset Allocation: Tools of the Trade

Investment managers divide your portfolio into different types of assets. The technical term is ‘asset allocation’.  Some of your investments may be in stocks, some in bonds, some in real estate, and maybe some in another special class.  But the whole investment picture relates to your asset allocation. If... 

Income Planning: How To Spend Your Retirement

Much has been written about the importance of saving for retirement. However, people pay less attention to an equally important subject – how to take income once you do retire. As we noted in a previous article on the phases of retirement investing, the third phase is less about saving and more about... 

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