Retirement Articles
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July 2013
July 26, 2013 05:45 p.m. Your Retirement Finance Week in Review This was a quiet week in the markets and the economy. All markets traded in fairly narrow ranges but trended towards negative territory. Next week will be a big week for data, with the employment situations reports coming on Friday along with personal income […]
The Hidden Risk of Tax-Exempt Bonds
Higher interest rates. Shrinking tax revenues. Higher spending. All of these are risks faced by municipal bond investors. But here’s one that few investors consider. The government officials in charge of a locality’s finances could be pocketing the tax revenue and spending it on themselves. After a while, the government can’t raise taxes any more. […]
Behind the Medicare Numbers
Each year the trustees of Social Security and Medicare issue a report. The main focus of the report is the financial condition of the “trust funds.” In recent years one of the public trustees, Charles Blahous, wrote his own summaries of the annual reports with an emphasis on the points he believes are important. Not […]
Don’t LIve with the Grandkids
It’s likely to shorten your life, according to this study. It’s an academic study, and the link is to the abstract. You can download the entire paper free in PDF. The paper says to some extent older people who live with younger people should be expected to have shorter life expectancies, because health problems often […]
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Why to Hate Stock Market Predictions and Forecasts
I don’t make many financial predictions and don’t make portfolio recommendations based on them. Yet, most financial and investment marketing these days seems to be based on predictions. Investors in general are captivated by predictions and spend a lot of time reading different forecasts and trying to determine which is right. Using predictions is a […]
$1 Million For Retirement Is Not Enough?
This article shouldn’t be news to anyone who reads Retirement Watch or my books, but it is news to The New York Times that a $1 million retirement nest egg might not be enough for most people. It lists all the mistakes people are likely to make: Investing only in bonds; underestimating life expectancy; forgetting […]
Some Professional Investors Beat The Stock Market Indexes
You’re exposed to a lot of discussion about how the average mutual fund or money manager underperforms selected stock indexes. But not many people are aware that over the years, studies demonstrated that the averaged defined benefit pension plan earns higher returns than the average 401(k) account. Here’s one discussion of that. One way to […]
Exploding Myths About Long-Term Care
Americans are remarkably uninformed and misinformed about long-term health care and insurance to cover the expense. Only one question was answered correctly by a majority of respondents in a recent survey: 53% said they were not too familiar with long-term care insurance (LTCI) and another 26% said they were not at all familiar with it. […]
