From: smartasset.com
60/40 portfolio allocation is a popular investing approach. Put simply, it’s an allocation strategy that consists of 60% equities and 40% bonds. This approach, which may allow for robust growth while remaining relatively risk-averse, has shown long-term positive returns over the course of decades and has been a mainstay for many investors. But amid a volatile year in the…
From: www.morningstar.com
This year’s brutal market has tested their downside protection.
Buffer funds—which promise to limit downside losses from equity market exposure while capping upside returns—have grown increasingly popular. By my count, there are now roughly 120 exchange-traded funds plus a handful of open-end mutual funds following this approach. Since the first buffer products appeared on the scene in 2016, assets have…
From: www.advisorperspectives.com
I built a 4.36% real (inflation-adjusted) systematic withdrawal portfolio using a 30-Year TIPS ladder.
In June, I wrote about safe spend rates and concluded that a balanced portfolio could only support a 3.3% real withdrawal rate for a 30 year period with a 90% chance of success. There are differing opinions on what a safe spend rate should…
This Investor Awareness Guide, with a forward by David H. Morgan, contains fundamental, valuable economics. Click to view the full article.
From: www.morningstar.com
I Bonds boast tax advantages, but purchase limits reduce appeal.
When investors think about adding explicit inflation protection to their portfolios, Treasury Inflation-Protected Securities, or TIPS, are usually top of mind, as it’s easy to obtain exposure to these securities by scooping up a mutual fund or exchange-traded fund. But investors looking to add explicit…
From: retirement.tips
There have been lots of headlines lately about how investing in Series I savings bonds, which offer an initial interest rate of 9.62% through October 2022, can help investors keep up with the current red-hot inflation rate.
If you’re approaching (or in) retirement, however, are these bonds as good an investment as they are for younger investors? Let’s break…
Do you have over $100,000? Watch this video, and receive your free Safety First Strategy Assessment.
From: Joeseph Clark, CFEd®, RFC®
Managing risk is as important today as it has always been. For example, when it comes to our biggest asset, our home, we’re protected with homeowners insurance. When it comes to our cars and the risk of liability in the event of an accident, our autos are insured. And of course, when it comes to our health and the enormous…
REAP’s affiliate strategist Horizon Investments introduces
“Risk Assist” for investment risk mitigation.
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