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The 60/40 split could leave substantial portfolios exposed if stocks and bonds decline simultaneously. Accredited investors must take a new approach.
Multi-year guarantee annuities can outperform bonds and bank CDs — but before you buy, here's how they work.
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
I retired from full time work with a pension that pays most of my expenses, including healthcare. I also have some part time work. If I have extra money at the end of the year from this work, should I...
Episode 523 00:00 Introduction 01:02 Gold and Silver not risk free 02:35 Bonds aren’t safe either 03:00 10 year Treasury dismal performance 04:23 Oil prices dropping 05:31 3 Best S&P 500 Sectors 08:00...
In our retirement advice column, Wealth Wise, a 66-year-old retiree learns how strategically placing your stocks, bonds, and cash can save you thousands.
Sometimes there’s a world of nuance hiding inside things we barely notice. Kind of like the Dr. Seuss book, Horton Hears a Who!, where Horton the Elephant discovers Whoville, an […] The post How Bonds...
Inflation-protected securities often get lumped together. But TIPS and I Bonds have differences that you'll want to know about. The post TIPS vs. I Bonds: Same Inflation Index, Different Risks appeare...
Age 58, plan to retire at 63. Between retirement and when our pension and Social Security kick in (ages 68 and 70 respectively), I'll have a 5-7 year window where my portfolio needs to cover a signifi...
Today on Your Money, Your Wealth® podcast 560, Joe Anderson, CFP® and Big Al Clopine, CPA spitball business development company (BDC) funds for Edward in Illinois before diving into buckets of cash, T...
We are retired and have about 500k in iras I am looking for dividend income and some growth. I don’t know if I should sell my shares in individual stocks in case of a bear market or should I let them ...
I have enough money in my retirement accounts and 401ks I think for the rest of my life. My question is this should I take the lump sum for the pension or monthly payments. There is no Cola. My inclin...
The first quarter of 2026 brought a whirlwind of market events—geopolitical shocks, surging energy prices, and a notable shift away from mega-cap US growth stocks. Despite the turbulence, the markets ...
What if the strategy you trust most for retirement income is quietly costing you hundreds of thousands of dollars? Topics covered in this episode: The real driver behind outperformance Sequence of ret...
Joe Anderson, CFP® and Big Al Clopine, CPA spitball on whether a popular early retirement strategy could actually blow up your financial plan, today on Your Money, Your Wealth® podcast number 577. Red...
Brigadier General Michael Meese details the critical decisions military families must make before retirement. Transitioning into retirement is a major life change for anyone. But for military families...
From municipal bonds to Roth conversions — take our quiz to find out if you know which income streams push you into higher Medicare brackets.
Jeremy Keil explains how putting your cash in the wrong spot could prevent you from earning thousands in interest during your retirement. Many retirees spend a lot of time thinking about how to get be...
Good family meetings bring clarity to estate plans and strengthen bonds. Poor ones turn into ugly battles. This simple tool will help you avoid the drama.
Stocks have low earnings yields and TIPS have good yields. Move money from stocks into bonds.
I retired June 1, 2024. My wife is still working, her planned last day is June 30, this year. Here's a few things I've noticed.... I'm maintaining our 'retirement fund' portfolio at Vanguard in the 60...
Vanguard’s VRIF ETF is tilting toward bonds to provide retirees stable income, balancing caution with a 4% annual payout target. The post Why Vanguard’s ETF aimed at retirees is currently cautious in ...
Income from your pension, savings and Social Security could provide the protection bonds usually offer, freeing you up for a more growth-oriented allocation.
Gary Zimmerman of Max® explains how to utilize your cash asset in retirement. Cash is one of the most overlooked assets in retirement. Here’s how retirees can earn thousands more in interest while kee...
Stocks and bonds aren't the only ways to invest your retirement "fun money."
In this Christmas Eve episode, Roger Whitney explores the basics of charitable giving as part of an intentional retirement plan, with a timely focus on year-end decisions. He explains how charitable d...
As savers, we are being rewarded with higher risk-free yields. Treasury bills (T-bills), Treasury bonds, and money market funds are still paying over 4% without taking equity or credit risk. Because T...
Explore how Trump accounts compare to baby bonds, why tax policy favors wealthy families, and what economists propose to close the racial wealth gap.
The Indianapolis-based Payne & Mencias Group manages money primarily with individual stocks and bonds, aiming for cash-rich, tax-efficient portfolios—and steady guidance through every cycle....
Hey everyone, I’m trying to get a better sense of what actual real-world returns people have experienced both before and after retirement — beyond the theoretical models and backtests. If ...
The second quarter of 2025 was anything but dull in the financial world. But despite the turbulence, both US and international stocks finished the first half of the year up over 10%. Over the last 12 ...
Traditionally, the best way to manage a portfolio is to use a fixed asset allocation. But that's not the only way to manage your bonds. The post Bond Allocation: Fixed Amount vs. Percentage appeared f...
Today, I’m speaking with Edward McQuarrie. Ed is the Professor Emeritus at Santa Clara University, where he taught in the marketing department for more than three decades before retiring in 2016...
Most large banks issue preferred stocks that pay out fixed dividends, often with higher yields than bonds. Should you make room for them in your portfolio?...
During a bull market, most investors get excited about chasing risk. Despite sky-high valuations, there’s a tendency to double down on even riskier bets in the hopes of making outsized gains. Th...
Stable value funds are a staple in many 401(k) plans, offering principal protection and steady returns by investing in high-quality bonds. They’re particularly popular with participants nearing ...
Retirement isn’t just about finances. It’s about having the freedom to focus on what matters most: your family. In this heartfelt episode, Ryan Thacker and Tyson Thacker are joined by&hell...
I recently had a zero-coupon Treasury Bill redeem in the amount of $102,000. This money is part of the 35% of my taxable brokerage portfolio that’s in bonds. Somewhere between a 60/40 and 70/30 ...
We advocate a Safety First (or Liability-Driven) Investment strategy for retired households which anticipates the use of relatively low-risk investments to fund future Essential Expenses (the Floor Po...
Sibling Bonds May Wax and Wane: Here's How To Safeguard Them...
I'm hoping to retire within the next year or two. I recently had some bonds reach maturity so I have a chunk of money sitting in my brokerage account that, given the current market conditions, I simpl...
Answering reader questions about Public Service Loan Forgiveness, looking for disability insurance as a resident, and what role bonds should play in your retirement. The post PSLF, Insurance, and Bond...
Most investors rely heavily on traditional stocks and bonds to build their wealth — and for good reason. These assets ... Read more...
How Treasury bonds can protect your retirement nest egg. The upside, risk and low-down on T-bonds....
Your portfolio's bond allocation depends on factors such as age, risk tolerance and market conditions....
Answering reader questions about I Bonds and if they are still a worthwhile investment or if it might be time to let them go, buffer assets and if they're worth it, and the best way to invest in small...
What are the benefits and differences between exchange-traded funds and mutual funds? Mike in Colorado wants to know. How should Lauren in Florida approach the fixed-income portion of her investment p...
Some of the fees that come with buying or holding stocks, bonds and other investments are obvious. Others can hide in plain sight....
Corporate bonds are a cornerstone of many investment portfolios, valued for their ability to generate steady income and offer moderate risk. Whether you are diversifying your investments or seeking a ...
One of the reasons my team at Keen Wealth puts so much care into personalizing our comprehensive planning process is that there's no one path to a successful retirement. Yes, we often incorporate some...