From: thinkadvisor.com
Dalbar’s annual study of investor behavior shows that self-directed investors work against themselves largely by chasing the market
Investors are their own worst enemy, or so is the conclusion of Dalbar’s 22nd annual Quantitative Analysis of Investor Behavior study that compared equity fund returns of directed investments versus the market benchmark. This year’s study found that in 2015, investors returns came in at -2.28% for…
Go to page: Are you on track to retire comfortably?
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
Americans, on average, are falling behind when it comes to saving for retirement. In fact, a 2015 study found that about 75 percent of people over the age of 40 are behind with their retirement savings. Making your retirement accounts a priority can help reduce the likelihood of having to work longer into your…
From: financial-planning.com
I watched in shock as the Brexit results were reported Thursday night. Then, on Friday morning, I watched as stocks tanked.
Global equities, especially foreign, tumbled. Money poured into safe havens, such as U.S. Treasuries. I knew advisers would be wondering if they should get their clients out of the stock market until the uncertainty vacuum dissipates. I say “don’t even think about it!”
It’s not that I…
From: cnbc.com
Remember inflation?
It’s been a while since it was a big part of American life. Inflation has been so low that Social Security payments were not increased for 2016, and the Federal Reserve has even raised the possibility of negative interest rates.
Yet inflation has not disappeared, and for retirees, even low inflation can have an outsized effect on their finances, according to recent research by…
Go to page: Investing in Real Estate for Retirement
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
A recent Gallup poll revealed that, for the second year in a row, Americans reported real estate as their top pick for “best long-term investment.” It may be an option worth considering if you’re looking to diversify your portfolio or you’re interested in a steady stream of passive income during retirement.
From: kitces.com
For nearly a decade, the rules allowing for a tax-free Qualified Charitable Distribution (QCD) directly from an IRA to a charity has been on-again, off-again, a part of the infamous Tax Extenders that would lapse and be reinstated every other year.
With the Protecting Americans from Tax Hikes (PATH) Act of 2015, though, the QCD rules have finally…
From: inforcepro.com
As many of you have heard, there has been another tragic case of a life insurance policy lapsing and not catching it until the policyholder had already passed away. The insured, David Stewart, was separated, living alone, and battling depression, therefore opening up his mail was not a major priority in his struggle with his health. Stewart was issued a $500,000 policy from Northwestern Mutual…
Retirement is a very important event of life that many of you experience. But all of you would like your retired life to be peaceful, wealthy, and of course no financial worry. Unfortunately, it is seen that many of the retired persons undergo the financial mess even during the retirement phase. However, to secure a comfortable retired life, it requires smart planning and years of persistence. Anyways,…
Go to page: 3 TED Talks for the Lifelong Learner
From: REAP, LLC. | Retirement & Estate Advisors & Professionals
The most esteemed TED Talks are the ones that surprise and delight while delivering keen insight. Some of the best and brightest minds can radically change the way we think about and understand our world through personal confessions or by connecting seemingly disparate thoughts. This is especially true for the following business-related talks.
From: fa-mag.com
About four years ago, I authored an article for Financial Advisor in which I examined risks to the “4.5% safe withdrawal rule,” which I had developed over many years of research. At that time, my conclusion was that the rule was still viable. But when you consider the case of the person who retired on January 1, 2000 (someone who had to contend with not…
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