Tom’s Blog

What mix of stocks should you have before retirement?

How do you set your mix of stocks and bonds before the start date of your retirement? Patti and I officially started our retirement plan in December 2014. That was the first year we took a full withdrawal from our nest egg for our spending

How do Fidelity index funds compare to Vanguard’s?

Every January, I complete the Morningstar nine-box display of returns for segments of the market: the box is a matrix of annual returns by company size category (Large, Mid or Small Cap) and investment style (Value, Blend, or Growth). I did not realize that Fidelity

How many years does it take for you to pay out 100% of today’s portfolio value as fees?

Many of my friends don’t have the inclination, confidence or basic spreadsheet skills to be self-reliant investors. They hire a financial advisor so they don’t have to deal with what are very simple tasks for us nesteggers. The time they’d invest to gain modest skills

Part 2: Is your retirement portfolio at its peak value for the rest your life?

Two weeks ago I read this article “The Long-Term Forecast for US Stock Returns = 7.5%”. When I adjust for the assumption for inflation, the article forecasts a ~5% real annual return for stocks vs. the historical average of ~7%. That’s 30% lower

Part 1: Is your retirement portfolio at its peak value for the rest your life?

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

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