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If you find that you're not financially ready to retire what can you do? Financial planning expert Mary Ryan offers some guidance that may help.
Are your finances in order? If you need some expert guidance, our financial planners will be taking your questions on our Facebook page on Wednesday, October 1, at noon, Eastern time.
This week's economic reports were neither hot nor cold, like the weather during the transition from summer to autumn. New-home sales were robust in August, but sales of existing homes and durable goods orders weakened. The U.S. economy's second-quarter growth rate was revised upward again, to 4.6%.
Nearly four out of every ten U.S. households own an Individual Retirement Account (IRA). Are they maximizing their IRA contributions and what are the trends around IRA use? Each month Vanguard researchers analyze the trends to see if these investors are taking full advantage of the opportunities available to build a bigger retirement portfolio.
Unexpected medical expenses can quickly deplete your financial resources. Use this information to prepare yourself and your family for a financial setback due to an unexpected medical illness or injury.
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Jim Dahle (a.k.a. EmergDoc, for medical professionals)
The White Coat Investor - Helping those who wear the white coat get a "fair shake"
My September column at Physician’s Money Digest was all about finding a good financial advisor. I am often accused of being “anti-financial advisors.” That’s not true in the least. I recognize that the vast majority of high-income professionals, including physicians, would benefit from using the services of a financial planner and investment manager who offers good advice at a fair price. Unfortunately, most self-styled “advisors” do not meet those 2 criteria. When searching for an … Continue reading →
When you put yourself and your ideas out on the internet, it’s best to have a thick skin, especially if you have chosen to reveal some personal and identifying information as I have. Although on this blog I write about a myriad of subjects, including living below your means, portfolio design, student loan management, retirement planning, insurance of many types, estate planning, asset protection, and mortgages among other subjects, 95% of the “hate email,” “hate … Continue reading →
[Editor's Note: Doug Carlsen, DDS, is a dentist who retired at 53. He is a new columnist at The White Coat Investor. This is his second column. Let me know how you like his articles by email or in the comments section.] In 2007, I wrote an article for Dental Economics titled “Retire by 50.” It described a small and quiet group of dentists who amass wealth early and then fall off the radar before … Continue reading →
Sssshhhh! Let me tell you something very special. Lots of people have spent countless years and billions of dollars trying to learn the secret to successfully investing in stocks. But right now, in just a few seconds, and at no cost to you, I’m going to let you in on the secret: STAY IN THE PELOTON! Let me tell you what I mean. Stock investing is a lot like a flat stage in a multi-stage … Continue reading →
When purchasing individual disability insurance, it is important to meet with an independent agent who can sell you a policy from any of the “big six” insurance companies, Guardian (Berkshire), Standard, Metlife, Ameritas, Principal, and MassMutual. One of the reasons for this is that for your state, gender, and especially specialty, one company’s policy may be much cheaper than a similar policy offered by another company. Your specialty, or occupational class, is one way in … Continue reading →
The White Coat Investor Blog RSS feed
Laura Dogu is a contributor to The Bogleheads® View blog on Forbes.com.
Laura Dogu, Mel Lindauer: The Bogleheads - Advice Inspired by Jack Bogle
Because I was one of the most vocal supporters of I when they were first introduced, I’m often asked for my thoughts on today’s I Bond offerings. The most common question I get is “Are today’s I a good investment?” While we can reminisce about the “good old days” when one could purchase up to [...]
On February 19th, the Bogleheads.org forum will celebrate its seventh birthday. What an amazing trip it’s been! BACKGROUND The website was originally set up and funded by two long-time Bogleheads, Alex Frakt and Larry Auton. For several years, the site served as a front-end index for the old Vanguard Diehards forum at .com. Bogleheads.org was [...]
On January 25th, Taylor Larimore, who Jack Bogle dubbed “The King of the Bogleheads” turned 90. Taylor, a decorated World War II paratrooper, was in the Battle of the Bulge and is a member of “The Greatest Generation.” In 1998, Taylor was one of the founders of the Bogleheads community at the Vanguard Diehards forum [...]
For investors who prefer paper I Bonds to the electronic I Bonds issued via TreasuryDirect, there’s still a back-door option that allows you to purchase an additional $5,000 in paper I Bonds per tax return per year.
Two steps forward and one step back. That’s the stock market for you. It’s a dance all new investors need to learn because it affects the portion of your portfolio that you have allocated to common stocks. Two steps forward and one step back. The stock market has been dancing to that tune ever since [...]
The Bogleheads® View
Rick Ferri Blog
Beating the market using mutual funds isn’t easy. The hope of finding fund managers who steadily beat their benchmarks may seem like a worthwhile venture, but the only people who seem to earn steady profits from active mutual fund strategies are companies selling products. A persistent “performance gap” exists between investor returns and the returns of the funds they invest in.
I love you man, but you’re wrong! Legionary Fidelity Magellan fund manager Peter Lynch wrote "buy what you know" in his classic book, One Up on Wall Street: How to use what you already know to make money in the market. The basic principle is simple: you're more likely to be successful in the market if you buy what you're familiar with. Peter Lynch was wrong; or at least he wasn’t quite right.
I’m an index fund investor, but I don’t invest in S&P 500 index funds. It’s not the type of index I want in my portfolio, unless I’m in a pinch. Here’s why. The S&P 500 is arguably the most important stock market index on the planet. It represents the free-float value of 500 major corporations [...]
There’s nothing like good market volatility. It makes me sleep well at night. Plunging prices, several days of bad news, it makes me all smiles. No, I’m not a masochist. I just know that weak-minded investors become nervous and sell in a roller-coaster market, and that gives me more opportunities to buy at cheap prices.
I’m a diehard index fund fan. I’ve written books on index funds, lectured on index funds, co-authored an award-winning paper on portfolios of index funds, and Forbes even named me “The Indexer” when I began writing for them several years ago. The problem with being “The Indexer” is that I don’t invest in all index funds. Truth be told, my portfolio is a combination of funds that follow indexes, quantitative funds that don’t follow indexes and actively managed funds. I don’t even consider following an index as being paramount in portfolio management as long as you’re capturing the risk premiums you’re seeking in a low-cost and efficient manner.
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Mel Lindauer is a contributor to The Bogleheads® View blog on Forbes.com. The Bogleheads® View RSS feed is listed above.
Mike Piper - Oblivious Investor
A reader writes in, asking: “After reading your books and others on the Boglehead reading list, I think I’ve determined that my new money should go to Vanguard index funds. But I’m thinking about keeping my existing savings with the advisor I’ve been using for several years. I’m less optimistic than ever about his ability to […]
This week, two articles dealing with recent retirement-related research came across my radar — one discussing income, spending, and overall satisfaction in retirement, the other discussing mental health in retirement: Despite Curveballs, Most Retirees Manage from Tom Lauricella (The study’s press release can be found here.) Retirement: a Good State of Mind from the Squared Away Blog at the Center for Retirement […]
Housekeeping note: We have family and friends visiting from out of town this week and early next week, so there will be no article on Monday. This week researchers Wade Pfau and Michael Kitces released a new paper looking at an assortment of different asset allocation strategies in retirement — ranging from various static allocations, […]
A reader recently wrote in asking for a discussion of the Vanguard Managed Payout Fund — how it works and what it might be good for. In short, the fund is meant to be a tool for investors who are spending from their portfolios (i.e., retirees). It’s an all-in-one fund (like the LifeStrategy or Target Retirement funds), […]
As I’ve written on several occasions, I’m a big fan of annuities as a tool for providing retirement income. But that doesn’t really extend beyond boring lifetime annuities. Fixed indexed annuities (a.k.a. equity indexed annuities) are an entirely different animal. And as Allan Roth explains this week, there are a number of potential “gotchas” involved with such […]
Oblivious Investor RSS feed
Bill Schultheis - The Coffeehouse Investor
Money is one of those issues that can cause stress in a relationship, regardless of your income level. But a Money magazine survey of married couples earlier this year showed just how widespread that stress may be — 70% of respondents said they argued about money more than any other topic.
We have heard “attitude is everything” but did you know your attitude may impact your bank account? The financial behavior and decisions we make are often a result of our attitudes toward money.
It is no secret that we are big fans of index funds — for a couple of reasons. First, they allow you to capture the return of an asset class. And second, they come at a far lower cost than actively managed funds that usually underperform the market anyway.
Wall Street will keep whispering to you, though: “You can do better than index funds. Our professional stock pickers can beat the market.”
If you have tuned in for one of our Coffeehouse webinars you may have heard Bill discuss portfolio success and investment activity… “the more activity in your portfolio, the worse it often does.”
With the stock market continuing to inch its way higher and higher, it is tempting to think, “Nothing to worry about here!” There is good reason for that: If you follow the Coffeehouse philosophy of investing, your main focus is “getting on with your life,” not the stock market.
Coffeehouse Investor RSS feed
The Finance Buff
TFB - The Finance Buff
Rebalancing between stocks and fixed income isn't buy low sell high. Most likely you will sell high buy higher.
The official announcement for 2015 Social Security COLA will come in October. With two out of three Consumer Price Index monthly numbers required for the calculation, I can estimate what it will come out to be. Inflation was still low so far this year, but it was higher than the previous year. According to the […]
Retiring early means lower average earnings for calculating Social Security benefits. However, once you reach the second bend point, you aren't losing much. I provide a spreadsheet to help you calculate when you will reach the second bend point.
A generous new account bonus and free trades make Merrill Edge a great discount broker for holding ETFs. Package deal with Bank of America gives you free checking with no ATM fee.
2015 contribution limits for 401k, 403b, SIMPLE, and IRA.
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Retirement Researcher Blog by Wade Pfau
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