Retirement Spending
Found 154 Articles.
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Forecasting Retirement Spending Updated
A researcher at Morningstar recently received an award for an article that appears to be consistent with what I’ve been writing for years. Most retirement plans forecast spending incorrectly. They take a starting spending level that usually is an arbitrary percentage of pre-retirement income. Then they assume the spending increases each year at the same […]
Closing the Door to Your Greatest Fraud Risk
Your greatest risk of being scammed or having your identity stolen might be one you don’t suspect. The big headlines are generated when information thieves access the databases of major retailers or other well-known businesses. But the headlines are behind the times. Medical records are the latest hot target of information thieves. A medical record […]
Avoiding Financial Scams and Abuse
The world is rife with financial fraud and abuse, but many people don’t know enough about it, to their detriment. Even people who think they know the facts of financial fraud and abuse don’t, especially those most likely to suffer from it. You need to under-stand financial fraud and abuse, and then prepare and take […]
Avoiding Outliving Your Assets
Here’s a review of the recent Treasury Department decision to allow longevity annuities to be purchased in some retirement plans. The article discusses the importance of using some annuities in retirement plans to reduce or eliminate the risk of outliving your money. Not much new here, but it’s a good review of the basic arguments […]
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The Cost of Living – Where Your Dollar Goes Farthest
Here’s an interesting post that tries to compare the cost of living in different parts of the U.S. The basis of the article is data from the government’s Bureau of Economic Analysis and a report using that data from the Tax Foundation. Not surprisingly, it indicates that the cost of living, or the value of […]
Avoiding the Grandparent Scams
There’s a range of scams that specifically target grandparents. It’s not clear how the perpetrators find their information, but they have people’s names and numbers and the name of at least one grandchild. Then they call, pretending to be a grandchild in distress and in need of money. You can find details here, including what […]
Avoiding the Nation’s Silent Scam
About the middle of last year we became aware of a scam that’s been stealing money from Americans for a number of years. Law enforcement at different levels apparently has been aware of it for some time but has been unable or unwilling to do anything about it. The amounts stolen from each person are […]
Breaking the 4% Retirement Spending Rule
JP Morgan joins us among those who criticize the 4% rule for determining retirement spending. While widely accepted among financial planners, the rule has various weaknesses. By using the rule methodically, retirees have a major risk of spending either too much or too little in retirement based on their circumstances. JP Morgan constructed a model […]
