Your Changing Definition of Risk in Retirement

Some things to consider.   During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive,” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.   What occurs with many retirees is […]

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A Retirement Fact Sheet

Some specifics about the “second act.”      Does your vision of retirement align with the facts? Here are some noteworthy financial and lifestyle facts about life after 50 that might surprise you.   Up to 85% of a retiree’s Social Security income can be taxed. Some retirees are taken aback when they discover this. […]

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Unrealized Loss and Gain

What they are; why they matter.   For many investors, it can be tempting to think of one’s portfolio in terms of “gains” or “losses.” True, this is a central concept to understanding market behavior, but to truly maximize your investing knowledge, you also need to know about “unrealized gains,” “unrealized losses,” and how they […]

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The Problem of Money Paralysis

Not making a move may not always be the best move to make.   A decision not made may have financial consequences. Sometimes, we fall prey to a kind of money paralysis, in which financial indecision is regarded as a form of “safety.”   Retirement seems to heighten this tendency. If you are single and […]

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Major Risks to Family Wealth

Will your accumulated assets be threatened by them?   All too often, family wealth fails to last. One generation builds a business – or even a fortune – and it is lost in ensuing decades. Why does it happen, again and again?   Often, families fall prey to serious money blunders. Classic mistakes are made; […]

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Reducing the Risk of Outliving Your Money

What steps might help you sustain and grow your retirement savings?   “What is your greatest retirement fear?” If you ask any group of retirees and pre-retirees this question, “outliving my money” will likely be one of the top answers. In fact, 61% of investors surveyed for a 2018 AIG retirement study ranked outliving their […]

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Why DIY Investment Management Is Such a Risk

Paying attention to the wrong things becomes all too easy.   If you ever have the inkling to manage your investments on your own, that inkling is worth reconsidering. Do-it-yourself investment management is generally a bad idea for the retail investor for myriad reasons.   Getting caught up in the moment. When you are watching […]

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