Juggling Competing Goals: College vs. Retirement Funding

What’s more important, your retirement or your child’s college education? Financial planners generally suggest that the former should receive priority, but many parents also want to plan for their children’s higher education. While financial priorities are a matter of personal choice, parents need to keep things in perspective. If you don’t have sufficient assets or…

 

8 Ways Women Can Take Charge of Their Retirement

A survey conducted by the Transamerica Center for Retirement Studies found women tend to lag behind men in terms of saving and planning for retirement. The organization’s president, Catherine Collinson, called this “concerning” and offered eight suggestions for how women can take charge of their retirement plans. 1. Save on a regular and consistent basis. This…

 

Optimizing Your Retirement Income: What Works Best and Why

With tens of millions of baby boomers already retired millions and more likely to enter retirement in the next decade, the hard truth is that only a small minority are accumulating enough savings to provide for their income needs during decades in retirement. This uncomfortable reality is particularly true given the overall rise in life…

 

Strategies for Married Couples: How to Coordinate Your Plans

Many employees think of their 401(k) plan allocations in isolation. But if you are married and your spouse works, you are both likely contributing to employee-sponsored plans. And if that is indeed the case, your allocation approaches should be “married” as well. After all, when you retire, you will be living off of both retirement…

 

The July 2017 AAII Journal is Now Available Online

Feature: Portfolio Strategies » Solving the Problem of Retirement by Paul Merriman Retirement places potentially unlimited demands on finite savings, but there are three actions investors can take to mitigate the problem. Stock Strategies » Three Value-Investing Benchmarks by Gary Smith The valuation models espoused by John Burr Williams, Robert Shiller and John Bogle can…

 

What to Do When You Haven’t Saved Enough for Retirement

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   The Art of Creating an Investment Policy Statement The approach to building your nest egg should be process-driven. You should document the process you will follow in a written plan, an “investment policy statement” (IPS), that incorporates your short-, mid- and long-term financial goals….

 

Invest, Exceed Goal, Then Stop Taking Risk

At what age should you change to a more conservative allocation, and what should that allocation look like? The answer depends on who you ask or where you look. Target date funds, for instance, use glide paths. Over time, a glide path changes a portfolio’s allocation from being more aggressive to being more conservative. This…

 

Retired Investor: Getting Through Difficult Markets

We all want to achieve retirement security—and to maintain our sanity during volatile market periods. If we could only predict tomorrow’s markets, we would handily satisfy these needs—we would be able to sell before a market decline and buy at the bottom. Truth be told, probably the single most important element of successful investing is…

 

Bogle’s Allocation and Other Morningstar Conference Notes

Special Note: We’re announcing today that Fidelity Investments’ senior investment strategist Bruce Johnstone will be a keynote speaker at this year’s upcoming AAII Investor Conference. Johnstone was previously ranked as the #1 equity-income fund manager during his tenure as portfolio manager of Fidelity’s Equity-Income Fund. To see Johnstone and the other great speakers we have…