Found 153 Articles.
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This paper argues that the low global inflation since the early 1980s is partly due to demographic changes. In particular, a growing global labor market kept a ceiling on wages, which kept a ceiling on prices. It also increased productivity. Those trend of a growing global labor market is reversing. Therefore, over the next few […]
The spending strategy is one of the most import and yet overlooked parts of a retirement plan. The spending strategy — also called a distribution, drawdown, or withdrawal strategy — reduces the risk of running out of money during retirement by setting the maximum amount you should spend from the nest egg each year. I’ve […]
America’s affluent retirees are sitting on piles of cash that they don’t want to spend. A new survey points out that many people who are in their 80s today have more wealth than they did in their 60s and 70s, and that’s because they steadily reduce their spending each year. Further probing found that the […]
Anyone can be caught in a financial scam, but some people are in greater peril than others. Importantly, the most vulnerable are not who most people would expect, especially the potential targets. A clear profile of the most likely financial fraud victims emerges from research over the last few years, including two recent projects conducted […]
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.
New research from Cornell University indicates why some seniors are scam victims. The study found that victims and non-victims have many similar traits. Their personalities are normal and they can do arithmetic just fine. But the study found that their brains are different, with the scam victims showing atrophy in certain parts of the brain. […]
Financial advisors are becoming more aggressive about protecting senior citizens from financial fraud and abuse. They’re being trained to recognize the warning signs and are urged to be proactive when they see something wrong. The larger financial firms train their financial advisors on the issue and have some staff members dedicated to following up and […]
Will there be major economic and financial policy changes in 2017? Should your portfolio be adjusted to reflect those changes? Those questions dominated the recent MoneyShow Orlando. As I’ve said recently, we are in a period of exceptional uncertainty. A wide range of policy changes is possible, and that means a wide range of economic […]
Many people are familiar with the 4% rule, or the safe spending rate. Research indicates you can withdraw the same inflation-adjusted amount from your nest egg for at least 30 years if you withdraw about 4.2% the first year. But a lot of assumptions go into that number. This article points out that one assumption […]