Friday , 1 November 2024

Lorimer Wilson

Constant-dollar Spending Strategies For Retirement: I’m Not a Fan – Here’s Why

The Sustainable Withdrawal Rate (SWR) strategy is based on the work of William Bengen whose research revealed that the order of market losses is more important than the average return sequence of returns risk. With all due respect to Bengen, though, I consider this strategy irrational and believe that it probably makes sense only for households with so much savings that they don’t need it. This article substantiates my conclusion.

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5 Mistakes Investors Make By Going Solo On Their Retirement (+2K Views)

Many Americans have taken it upon themselves to do the vast majority of retirement planning without the help of a financial advisor. While that is perfectly fine and legal, it is not entirely wise considering the long-term margin for error. Plenty of things can go wrong, and they do, often leaving investors lost and confused about what they can do to better their circumstances. There are 5 major errors committed by solo investors that can greatly impact their ability to maintain wealth throughout their retirement. Here they are!

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5 Kinds of Insurance Every Retiree Should Consider

Your insurance needs don't remain constant throughout your life. You need different insurance coverage when you're single and in your 20s than you do when you're raising a family in your 40s. When you retire, your insurance needs will evolve once again...Here is a primer on the kinds of insurance that every retiree should consider.

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A Moving Average Strategy Ensures Participation In Most Upside Moves & Dramatically Reduces Losses

Buying and selling based on a moving average of monthly closes can be an effective strategy for managing the risk of severe loss from major bear markets. In essence, •when the monthly close of the index is above the moving average value, you hold the index, •when the index closes below, you move to cash. A chart of the S&P 500 monthly closes since 1995 shows that a 10- or 12-month simple moving average (SMA) strategy would have ensured participation in most of the upside price movement while dramatically reducing losses.

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3 Ways To Deal With Rising Stock Market Volatility

What makes 2018 remarkably different from the recent past is rising stock market volatility. Since the start of the year, the CBOE Volatility Index (^VIX) has shot higher by around 100%. By comparison, the VIX was -42.5% for the three-year period from January 2015 to December 2017. While rising volatility might put certain people on edge, but it’s not necessarily bad. Here are 3 strategies for managing market volatility.

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Current Deceleration In Monetary Growth Portends Another Credit Crisis, Housing Bust & Economic Recession (+2K Views)

The qualitative relationship between the growth in the Total Money Supply, credit crises, and recessions has been remarkably clear since 1978 and, as such, the current suppression of the Total Money Supply growth rate, if it is sustained for the rest of the year, portends another credit crisis and housing bust, followed by an economic recession for the U.S. economy.

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These Minerals Are Critical to U.S. Economic & National Security (+2K Views)

What do cobalt, uranium, helium, titanium, and fluorspar have in common? According to the U.S. government, these are all minerals that are deemed critical to both the economic and national security of the country. The list of 35 minerals (listed below) includes those that are important for defense, economic, and industrial purposes – and it keys in especially on minerals that are not produced in substantial quantities domestically.

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