Financial Advice for Retirement, Social Security, IRAs and Estate Planning

Bob's Blog on Retirement & Beyond

Retirees Return To Work

July 17, 2018

With employers complaining about a shortage of qualified workers, some retirees are filling the gaps by returning to work, according to this article. The story is big on anecdotes and short on data. It also emphasizes that recent retirees are attractive to employers, because their knowledge and skills are current. At a moment when the […]

Some Lessons In Diversification

July 16, 2018

Morningstar recently used its database to show how a series of three-fund diversified portfolios would have performed over the last 20 years. The idea was to use the three-fund portfolio idea to simplify investing and show how investors could improve their diversification. One point to keep in mind is that the last 20 years was […]

Advice From Harry Markowitz on Investment Diversification

July 13, 2018

Markowitz was a Nobel Prize winner in Economic Science and is credited with establishing the foundation of modern portfolio management. This article reminds us of Markowitz’s advice for every investor: “Diversify,” Nobel-Prize winner Harry Markowitz once responded when asked how investors should approach the stock market. “And if I had to offer a second piece […]

A Fresh Look At The Yield Curve

July 10, 2018

Many economists say they’re worried about the economy, because the yield curve is flattening. The yield curve does have a good record of forecasting recessions ahead of time, but the details are important. In these times of unusual monetary policy, it’s important to take a close look at the details and the history. This blog […]

Don’t Fear The Yield Curve

July 6, 2018

A few months back I told my subscribers in one of my weekly Bob’s Journal entries that people were too worked up about the flattening yield curve. There’s a long delay between the inverting of the yield curve and a recession, plus there are several factors artificially influencing the yield curve that weren’t in place […]

Saving Underfunded Retirement

July 5, 2018

Morningstar conducted a study of the best ways for someone who hasn’t saved enough for retirement to ensure a comfortable retirement. It found that taking a number of relatively small actions are the best approach, because there’s no one big action that’s has a high probability of success. The worst action to take is to […]

Markets Without People – Passive, Index and ETF Investing

July 3, 2018

Howard Marks of Oaktree Capital in his latest shareholder memo addresses the consequences of index investing, quantitative investing, and artificial intelligence. In other words, he addresses the trend toward investing with minimal interference from people. He starts with a nice history of passive investing and exchange-traded funds, and then goes on to discuss his view […]

A Case for Lower Stock Returns

July 3, 2018

Jim Paulsen of the Leuthold Group says a reliable gauge of his says to expect lower-than-average returns in U.S. stocks for the next five years. He also points to assets that are likely to perform better during this period. However, Paulsen said his “Main Street Meter” isn’t met to be a market timing device but […]

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