Last week I read this article “The Long-Term Forecast for US Stock Returns = 7.5%”. The article assumes 2.5% future inflation. That means the forecast translates to ~5% real return for stock vs. the historical average of ~7%. That’s 30% lower ((5-7)/7). I

Several of my friends have separated from their financial advisors and became a self-reliant investor. It’s pretty simple for us nest eggers, since our total portfolio is only four index funds. I have never hired a financial advisor for our money. But I separated this

The capital gains tax rate is really is more than 15%, because the calculation of gain does not adjust your cost basis for inflation. When you pay tax on capital gains, you are paying tax on the real component of gain and on the inflation

I went CRAZY this week thinking about PSERS – Pennsylvania’s School Employees Retirement System. I wrote about PSERS two weeks ago, but I couldn’t get it out of my head this week. Why? PSERS is committed to an investment strategy that we nesteggers would