Tom’s Blog

What is your benchmark for returns for 2021?

It’s a week or two past the time of year that most of us judge how well our portfolios performed for the past calendar year. This post shows the nominal and real returns Patti and I earned on our portfolio in 2021and over the past

Will 2022 be a good year or the start of the Most Harmful Sequence of returns in history?

You can find predictions for the stock market ranging from 2022 as the start of the Most Harmful Sequence of returns in history to it’s going to be a normal year. Morningstar and others predict we are very close to THE STEEPEST drop in stocks

DO NOT consider using a lower Safe Spending Rate that I provide in Nest Egg Care!

Last week I summarized a report by Morningstar, The State of Retirement Income – Safe Withdrawal Rate. It suggests that Safe Withdrawal Rates should be cut by 25%. Retirees need 1/3rd more than they thought they’d need for a happy retirement. My friend

Should Safe Spending Rates (SSR%s) be 25% lower?

I spent a lot time this week trying to understand the details of a new report from Morningstar, The State of Retirement Income – Safe Withdrawal Rate. I summarize the 59 page report. Morningstar predicts much lower stock and bond returns for the foreseeable

What’s the story you tell yourself this time of year?

I typically use December 15 as a day I take a different look at our portfolio. I’ve described my imaginary “bottling day” in prior posts. Here’s one. I recast the performance of our portfolio into three holding periods or groups of wine barrels or

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