How Should I Allocate My Assets?

 What is your current asset allocation to stocks and bonds? There’s a good chance that it’s 60% in stocks and 40% in bonds because individual retirement account (IRAs) and near-dated target date funds (TDFs) have this[...]

Read More

How Much Could You Lose in the Next Market Crash?

 

Read More

Don’t be a Target Date Fund Victim

Target Date Funds (TDFs) have three interest groups: investment managers, fiduciaries, and beneficiaries The interests of these three groups are not aligned. If you’re in a TDF, you’ll lose in the next market correction[...]

Read More

Out of Sequence: Is Sequence of Return Risk for Real?

Much has been written about Sequence of Return Risk (SoR). Losses sustained during the 5 to 10 years before and after retirement can devastate lifestyles, as explained in Sequence Risk's Impact on Your Retirement Money[...]

Read More

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.[...]

Read More

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[...]

Read More

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[...]

Read More

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[...]

Read More

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[...]

Read More

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[...]

Read More