Gauging Your Psychological Readiness for Retirement

Revisiting the Risks of Retirement Spending Rules In this update to a 1998 article, we discuss the risks of spending only portfolio income, spending returns or making inflation-adjusted withdrawals. Illustrating the Value of Retirement Accounts Two examples show the considerations to be taken into account when deciding between a taxable account, a traditional IRA and…

 

Having Choice and Guidance Isn’t Always a Good Thing

There is rarely a week that goes by without a new fund being launched. There is also rarely a day when someone does not recommend a stock or a bond. It’s enough to make an investor’s head spin. It certainly complicates the process of choosing a good investment and sticking to a long-term investment strategy….

 

AAII Journal February 2017 Issue Now Available

Feature Article: The Individual Investor’s Guide to the Top Mutual Funds 2017 The online version of our annual mutual fund guide has all new features, including reports for each fund. In This Issue: Briefly Noted Cognitive Aging Creates Financial Obstacles Strategies for Unneeded RMDs Implementing an Age-Banded Approach to Retirement Withdrawals Piotroski F-Score Works Well…

 

Retirement Portfolio Survival: A 90-Year Study

This week’s AAII Weekly Digest highlights these “must-read” AAII articles: Retirement Portfolio Survival: A 90-Year Study: While a conservative allocation lasts 35 years at a 3% withdrawal rate, higher withdrawal rates require greater exposure to stocks. The measure of success in this study is whether or not a retirement portfolio can survive intact for at least…