Category Archives: Uncategorized

How many bad 1-in-350 financial events are in your retirement plan?

We retirees want to lock in a number of years for NO CHANCE of depleting our portfolio. A key decision – our Safe Spending Rate (SSR%) – assumes we will face the most horrible sequence of financial returns in history. Starting tomorrow. Using that sequence

How many bad 1-in-350 financial events are in your retirement plan?

We retirees want to lock in a number of years for NO CHANCE of depleting our portfolio. A key decision – our Safe Spending Rate (SSR%) – assumes we will face the most horrible sequence of financial returns in history. We nesteggers use the actual

Is Fidelity the new king of lowest cost index funds?

If you follow the evidence in Nest Egg Care (NEC), you know the key to investing when you are retired – really any stage in life – is to keep most all of market returns for yourself. To do this reliably you must solely

How does the second largest actively-managed fund – Fidelity Contrafund (FCNTX) – rank against its peers?

This post puts the second largest actively managed mutual fund – Fidelity® Contrafund® (FCNTX) – in the same barrel that I put American Funds Growth Fund of America (AGTHX) in two weeks ago. How well has FCNTX performed over the

Is it time to get a mortgage or refinance your current mortgage?

Is this a crazy question to ask someone who is retired or nearly retired? No! Mortgage rates now are low, low, low. The average 30-year mortgage now is about 3.7%. I summarize data from this graph that shows rates are within .4% of their lowest

Have we reached the tipping point for the demise of actively managed funds?

This article states that in July the amount invested in passive index funds passed the amount invested in actively managed funds: roughly $4.2 trillion each. The first Index Fund started in 1976. That means it took 43 years for Index Funds to win 50% share

How does the largest actively managed fund – AGTHX – rank against its peers?

Year ago I remember two actively managed funds battling it out in terms of top rank of size of mutual funds – the amount of money investors have in them: American Funds Growth Fund of America (AGTHX) and Fidelity Contrafund® (FCNTX). Both these funds had

Are you rich? Where do you rank in income and net worth?

These two articles (here and here) in the New York Times were helpful in giving me an idea of where Patti and I rank in income and net worth. The purpose of this post is to give a bit of explanation and to

What’s a Holding Period and how does that affect your mix of stocks and bonds?

My nephew Rob read last week’s blog. He liked it, but I was not clear enough on the concept of Holding Period and how that affects his choice of mix of stocks and bonds – your choice, too, if you are building your nest egg.

What would be your advice to someone building their nest egg?

My nephew Rob, age 25, asked me for some of my thoughts on investing. I gave him a few quick thoughts but then decided to describe what I think I’ve learned over the decades. This post is my advice to someone age 25. I would

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