Retirement Articles

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The Byron Wein Investment Update

November 7, 2016

The Blackstone strategist generally is bullish about the economy and U.S. stocks. In his latest monthly essay, it makes several arguments in favor of his bullish thesis. But he also writes about what worries him and what events could make his outlook wrong. My principal worry is earnings disappointment.  According to Bianco Research, revenues in […]

Investments Tumble in October

November 3, 2016

I don’t know if the presidential election is affecting the stock market, but some analysts believe that’s the case. They also believe the stock market anticipates the election results. Their conclusion is that when the stock market rallies into election day, the incumbent party will win the election. When the market declines leading up to […]

Marginal Tax Rates for Older People

November 3, 2016

I’ve long maintained that various provisions in the tax code cause older Americans to face higher marginal tax rates than younger Americans, often much higher marginal rates. This post links to an academic study that verifies this and also shows how some other groups of Americans face high marginal tax rates. Consider, for example, the […]

A New Contradictory Study on Cholesterol

November 1, 2016

People have been told that increasing their HDL (good cholesterol) levels will increase the risk of heart disease. A new study says that’s not the case. The new study indicates HDL doesn’t counteract bad cholesterol. Instead, it doesn’t seem to do much, though low levels of HDL could be indicators of bad overall health or […]


What you don’t know about retirement can hurt you. In fact, just a few wrong decisions in your investments, taxes, or estate planning could completely derail your retirement plans. Worse yet, the rules of the game keep changing, making it harder to keep up. For these reasons, I’ve assembled all the key points – everything you need to know — into one comprehensive report. Click here today for free access.

An Argument Against Annuities

October 31, 2016

There are two broad categories of annuities. There are the simple annuities. These are immediate annuities, longevity annuities, and fixed deferred annuities. These classic, old-fashioned annuities are straightforward, easy to understand, and pay low commissions to agents and brokers. These usually are the ones I recommend in certain situations, especially to generate guaranteed income for […]

Index Funds Causing the Death of Stock Picking?

October 28, 2016

The Wall Street Journal had a series of articles on its web site on October 17 with headlines such as “The Dying Business of Picking Stocks” and “Index Funds are Taking Over the S&P 500.” The articles detailed the now well-known increase in the number of dollars being invested in stock indexes instead of active […]

Central Bankers Pushing on a String

October 27, 2016

October 27, 2016 Central Bankers Pushing on a String Investors are becoming complacent just at the time when they shouldn’t. As bankers ramped up quantitative easing (QE) after 2008, many investors remained cautious. Surveys showed investors holding large allocations to cash as QE pushed the prices of stocks, bonds, and other assets higher. Now, it […]

The Dogs of the Dow are Back

October 26, 2016

A simple investment strategy that works well over the long term is to buy the five stocks listed in the Dow Jones Industrial Average with the highest dividend yields. Readjust the portfolio annually to hold the newest highest-yielders. The strategy doesn’t work well every year, but it’s doing very well in 2016. To be sure, […]

November 2020:

Congress Comes for your Retirement Money

A devastating new law has just been enacted, with serious consequences for anyone holding an IRA, pension, or 401(k). Fortunately, there are still steps you can take to sidestep Congress, starting with this ONE SIMPLE MOVE.

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