Should You Diversify?

“There is no free lunch” is a popular saying in economics and finance. It means you can’t get something for nothing. But there is an exception to this rule and it is called diversification.  Introduced in the 1950s, Dr.[...]

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Don’t Ruin a Happy Retirement

The biggest investment threat to living long and well in retirement isn’t a big loss. It’s a big investment loss when it matters most -- when your savings are at their peak -- namely as you transition from working life[...]

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The Financial Engineering in the Patented Safe Landing Glide Path™

The patented Safe Landing Glide Path™ (SLGP) embodies two Nobel prize winning theories, risk of loss analysis, and liability-driven investing. Dr. Harry Markowitz won the Nobel prize in 1990 for his work on the[...]

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What is your investment strategy?

A sound investment strategy should be tied to your goals. Success is not beating an index. It’s achieving your objective. Objectives could be securing a comfortable retirement, buying a car, or paying for your child’s[...]

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What is Financial Risk Management?

Definition According to Wikipedia, Risk management is the identification, assessment, and prioritization of risks followed by coordinated and economical application of resources to minimize, monitor, and control the[...]

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Is Inflation Likely?

Why Hyperinflation is Possible in the U.S. The U.S. is bankrupt and no one cares. . Borrowing sources are tapped out, leaving the Federal Reserve as the only way to pay interest, by printing money. Hyperinflation is a[...]

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Can You Afford to Live to 100?

Rising longevity is a major financial issue because late in life there’s an 80% chance that one or both spouses could be in assisted living, skilled nursing, or memory care for several years. According to Investing in[...]

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10 Things You Need to Know About Target Date Funds

At $2 trillion and growing, Target Date Funds (TDFs) are the darlings of 401(k) plans. You may be among the millions who are invested in TDFs. If you are invested in a TDF, or thinking about investing, here are 10[...]

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The Best Glidepath for Retirees

Most Target Date Fund (TDF) glide paths do not provide adequate protection at or near the retirement dates of future retirees. This creates a major risk that should be avoided or at least minimized.

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What is a Target Date Fund and its Glide Path?

A Target Date Fund (TDF) is a mutual fund that is designed to accumulate and deliver assets on a specific event date, for example the year a person plans to retire. If that year was 2040 then a person would invest in a[...]

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