Tom’s Blog

Different decisions lead to the same level of SAFETY for your financial retirement plan.

The top objectives for our financial retirement plan are Safety, Safety, Safety. We don’t want to run out of money if we face HORRIBLE future financial returns. And then at our chosen level of safety, we want to maximize a potential Pile of Money we

FIRECalc vs. the 4% Rule: Which One Wins?

FIRECalc wins. FIRECalc gives us retirees the right data for the key decisions we must make for our retirement plan. My independent calculations agree with FIRECalc’s and not with those from the 4% Rule. I am more confident that Patti and I have a solid

Can you pick a winning Actively Managed fund based on its past results?

The SPIVA® report, “Does Past Performance Matter? The Persistence Scorecard” answers the question. Don’t count on an excellent track record of performance of an Actively Managed fund to extend into the future. Excellent performance does not persist. Only a very small percentage of

What are your mid-year To-Do’s for your Retirement Plan?

I read this article this week, “6 Portfolio To-Do’s for Retirees at Midyear”.  I don’t do ANY of the six. This post describes what I don’t do mid-year and why.

 

Here are the steps in the article:

 

1. Check your year-to-date

Can you lose 20% of your nest egg and feel good about it?

Unfortunately, the answer is Yes. What? Lose 20% of your nest egg and feel good about it? Well, most investors effectively lose 20% of their nest egg or the biggest portion of their nest egg (stock portfolio) over time and feel good about it. This

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