Category Archives: Uncategorized

Is this “Terrific” Large Growth Fund for you: JENSX?

This article, “A Terrific Large Growth Fund” at Morningstar (M*) concludes: [JENSX] “Jensen Quality Growth’s managers have demonstrated stock-picking acumen over a long period of time.” We nesteggers know that it is very rare that a fund will outperform its peer index fund over

How will lower RMD percentages in 2021 affect you?

The IRS published proposed changes to RMD percentages in November. The rule making process will be completed this year and new, lower RMD percentages will likely take effect for 2021. This post describes those changes and what I think that means for us retirees. My

How will the SECURE Act affect your financial retirement plan?

The SECURE Act, passed in December, brought changes to retirement plans –– and more will come in 2021. This post discusses the SECURE Act and what I think it may mean for you. Next week I’ll describe lower RMD percentages that start in 2021.


Can you be happier by giving money away?

Last week I wrote about four principles for spending on ourselves that makes us happy. The book Happy Money described a fifth principle, Investing in Others, that is obviously different. This post summarizes the main point of this part of the book: you increase your

What experiences will you buy in 2020?

I read this book and liked it: Happy Money: The Science of Happier Spending. The book says we – especially retirees — should think about money differently. The science of happiness tells us we should not view our money as a means to get

How much did $2,000 in my IRA grow to over the years?

How much did $2,000 that I invested in an IRA in 1984 accumulate to in 2020? $88,200! I’ve repeated a post like this for two years now (here and here), but I always like to look back to see the power of

What segments of US stocks outperformed in 2019?

I like looking at the Vanguard Style Box (I call it a Nine Box.) at the end of the year to get a snapshot of what outperformed and what underperformed the US stock market as a whole. US stocks are likely the biggest portion of

Did you match our returns for this year?

I’m throwing down the gauntlet. In past years I might have said, “Ha! Beat That!”, but not now. When we’re retired, our challenge is to keep as much as we can of what the market gives. My challenge to you is to compare to see

What will you do in 2020 with your pay raise?

All of us Nest Eggers will calculate to a real pay raise for 2020: that’s because of the excellent stock and bond returns this year. (I describe our pay increase for 2020 here and the prospects for another real increase for 2021 here.) In

How have you isolated yourself from bad volatility in your portfolio?

Our portfolio – your portfolio – shouldn’t be viewed as one big pile of money. For almost all days in the year I can’t help but look at our total as one big pile: I see the total amount Patti and I have on the

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