Category Archives: Uncategorized

If you have a Variable Annuity, should you keep it or sell it?

Have you invested in a variable annuity? Last week I wrote that I would not invest in one as an option to help build a retirement nest egg. This case is different. It assumes you already have a variable annuity. What should you do?

Should you invest in a Variable Annuity to help build your nest egg?

Variable Annuities are popular. Investors poured over $240 billion into them in 2019. I opened a variable annuity account at Fidelity maybe 15 or 20 years ago as added way to save for retirement. I’m not remembering my thought process, but I’d guess that I

Is it time to sell stocks?

OMG. This article says 33% of investors over age 65 sold ALL their stocks this year! (This may have been FALSE NEWS*.) This is about the worst idea ever. Surely you didn’t do this. What does this tell us nest eggers? Those folks have NO

What are the basic steps to rebalance your portfolio?

Ages ago – over a year ago, I think – the links broke under the Resources tab on this web site. Nothing downloaded when you clicked on the resource. Reader Jeff asked me for replacements. I emailed them to him after I had updated a

Are you the Master of your Hockey Stick?

My friend Dan sent Patti and me an invitation (Hey, real mail!) and underneath our names in the address it said, “The Hockey Stick Masters.” I laughed. Dan knows I have our hockey stick imprinted in my brain. He’s seen my orange painted hockey stick.

What are my favorite productivity tools?

Why do I think about making my life more productive when I’m retired? I want to keep simplify the routine, take away stress, and try to be effective every day. I’ve mentioned a few of these before, but this post describes my checklist of things

What will you do with the money you are not spending?

I looked online at our credit card balance, and I can see that we currently have a big NEGATIVE balance. That’s due to refunds on airline tickets for trips we had planned. It looks like our credit card payments for April, May and June will

What happened to Vanguard’s Probability of Living Calculator?

Vanguard’s Probability of Living Calculator has disappeared. It’s an important tool for decisions for our financial retirement plan. Vanguard removed it as publicly available on the web and put it on their web site for their customers. Now they’ve removed it from there. I’ve not

How much downside protection have value stocks delivered year to date?

Value stocks – departing from conventional wisdom – provided ZERO relative downside protection in this recent decline. The conventional wisdom is that value stocks with lower price-to-earnings ratios and higher dividend yield are safer to own when the market hits a rough patch: they will

How will you control your risk of getting COVID-19 (and dying)?

We all make personal decisions about risk every day. Driving is a risk. Walking on an uneven sidewalk is a risk that I pay attention to. You’ve already made decisions that decide the financial risk of your retirement plan. You’ve decided – with or without

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