The February 2019 AAII Journal is Now Available Online

COVER ARTICLE The Individual Investor’s Guide to the Top Mutual Funds 2019 By AAII Staff Our annual mutual fund guide provides information and performance statistics on 727 funds.   NOTES & OPINIONS Dispatches Current news items of interest to individual investors. Majority of Retirees Regret Not Saving More for Retirement Older Workers Investing More in…

 

The Myths and Realities of Retirement Planning

The Mathematics of Retirement Portfolios This article deals with several important retirement questions: “How much money do I need in my investment portfolio at the start of retirement?” and “How much can I safely withdraw from my investment portfolio during the retirement years?” A Do-It-Yourself Approach to Target Date Retirement Investing Target date mutual funds…

 

The Impact of Saving Versus Return on Wealth

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   The Impact of Saving Versus Return on Wealth The dramatic impact on wealth from compound returns really starts to pick up after an investing period of 20 to 25 years. Older investors should place a bigger emphasis on saving more than on building aggressive…

 

Key Questions About When to Retire

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   Stocks: An Underappreciated Asset Class in Retiree Portfolios More older Americans than ever before are pursuing second careers in retirement, engaging in their communities through volunteer work, and living healthy, active lifestyles. Yet when it comes to managing their investments, too many retirees are…

 

Retirement Readiness Is Being Assessed in the Wrong Manner

This week’s AAII Weekly Digest highlights these “must-read” AAII articles:   The Mathematics of Retirement Portfolios This article deals with several important retirement questions: “How much money do I need in my investment portfolio at the start of retirement?” and “How much can I safely withdraw from my investment portfolio during the retirement years?” 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…

 

The Impact Returns Have on How Much You Should Save

One of the fuzzier numbers in retirement planning is how much a person should save. Put another way, how much does an individual need to set aside each year to fund retirement expenses? It’s a function of projected expenditures, sources of other income (e.g., Social Security, inheritance, etc.) and expected investment returns. Though they are…

 

Survey: Millennials Unwilling to Sacrifice Now for Future Financial Security

A new survey from Charles Schwab indicates that an unwillingness by Millennials to sacrifice things that add to their current quality of life, and student debt, are preventing them from saving enough for their retirement. The survey covered 1,000 401 (k) plan participants broken into three generational groups: Millennials (those under age 35), Generation Xers…

 

Treasury Introduces New Retirement Saving Plan: “myRA”

Last week the Treasury Department formally launched new retirement-savings accounts geared towards workers who don’t have access to traditional retirement accounts, such as 401(k)s or 403(b)s. The retirement-savings vehicle is called “myRA” and officials said the goal of the program is to teach more workers the importance and the ease of saving for retirement. “When…

 

A Mortal Sin of Retirement Planning: Procrastination

Putting off until tomorrow is jeopardizing many Americans’ retirements. According to a new survey from Bank of America and Merrill Edge, Americans are procrastinating when it comes to saving for retirement, even though the majority had set a 2015 goal of saving for retirement. According to the latest Merrill Edge Report, 59% of the 1,000 respondents…