It’s a key part of the Nest Egger Way: Nest Eggers invest to be at least in the top seven percent of all investors. We invest to simply and efficiently keep 98% of what the market in aggregate gives all investors. We don’t try

A prior post discussed the insurance value of bonds. When stocks tank, bond returns are always better and almost always MUCH BETTER – as much as 63 percentage points better in a year. Since we retirees are selling securities each year for our spending, we

The purpose of this post is to describe how fate – the sequence of market returns we have faced and will face – affects our nest egg and spending in retirement.

The luck of the draw – random chance – had a big effect

My friend Betty asked that question and it’s a good one. The basic answer is that we own bonds as insurance to protect us from the DEVASTATION that BAD VARIABILITY of stocks returns would have on our portfolio. The returns from bonds are always greater

When were retired we’re in the Spend and Invest phase. We’re withdrawing from our portfolio each year for our spending. We’re stressing its health each year. Most times it remains healthy or even grows to be super-healthy over our retirement. We Nest Eggers are most