Category Archives: Uncategorized

How badly did actively managed funds perform relative to index funds in 2018?

The answer: it looks very bad for funds and fund families that pride themselves on being better than average. That’s what I conclude as I look over the results of Fidelity funds and the flagship fund from American Funds. This post highlights the poor

$2,000 saved and invested in 1983. It’s $81,000 now. Lots to ENJOY!

I contributed $2,000 to my IRA each year for many years. IRAs that gave a tax deduction for that $2,000 started in about 1981, and I jumped on board. I invested $2,000 each year, the allowable maximum at the time.


I thought of each

What segments of US stocks outperformed in 2018?

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 segments of stocks outperformed and underperformed the US stock market as a whole. This post discusses the 2018 snapshot.

What did Nest Eggers score in calendar 2018?

Market returns were not good for the calendar year. This is clearly the worst year in decade. Here are the annual returns for stocks and bonds for the past four years following the recommendations in Nest Egg Care – using the specific mutual funds and

This is the season for giving. What are our priorities?

It’s that time of year that Patti and I make sure we’ve given what we want to give to those we care about. We always spend and give our annual Safe Spending Amount (SSA). As in the several past years we have not spent it

I’m really liking finishing barrels right now!

I look at my imagined wine barrels and large vat every December 15, but it’s good for me to take a snapshot of what has happened since my sale of securities on December 3 for our 2019 Safe Spending Amount. (That has turned out

What happened on December 15, my day bottling the wine I’ll drink next year?

This is my imagined workday every December 15. I even mark this day as “Bottling Day” on my calendar. I imagine that I dress warmly for my annual work task out in our garage. The high was 46this year, warmer than in recent

What do we do to lower risk in our financial retirement plan?

The calculation year for Patti and me ended November 30. I sold securities the next business day – Monday, December 3 – to get our total Safe Spending Amount (SSA) for 2019 into cash. Then my portfolio took a sudden, steep hit. My stocks declined

What’s our calculation of Safe Spending for 2019?

I knew this before entering our 12-month returns ending November 30 into our calculation sheet: our Safe Spending Amount (SSA) – the amount that results in zero probability of depleting our portfolio through 2034 (Patti’s age 87) – is unchanged in spending power for 2019.

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