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It Is Reasonable To Expect 8-12% Market Returns Over The Next Ten Years

The title of this blog is indeed a solid myth. Before I project asset growth and income flow in Retirement Analyzer I have analyzed the client’s current portfolio and compared it to my recommended allocation.  To their disappointment, I routinely reduce the assumed rate of return (ROR) by half while keeping the same volatility.  So, for example, …

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You Can’t Spend More Than 4% of Your Retirement Savings Without Going Broke

Yes you can!  Another easily disproved myth. In their study “Why Annuities Work Like a License to Spend”  David Blanchett and Michael Finke* conclude:. . .every $1 of assets converted to guaranteed income will result in twice the equivalent spending compared to money left invested in a portfolio. The size of the effect is large enough …

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STAND UP AGAINST RACISM

Just for the sake of variety, this post is NOT a myth.  We all need to be aware of and successfully discourage prejudice, not only by others but especially by ourselves.  None of us is innocent.  “The problem with the world is that the intelligent people are full of doubts, while the [rest] are full …

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