If you ask working folks when they expect to retire, the typical answer for most is “65, I think.” Pressed, they might say “70, I hope.” The fact is they don’t … Read more →

Get two financial advisors talking at a bar, and pretty soon you’ll be breaking out a dictionary to keep up. The mathematics behind portfolio management would challenge even the wonkiest economist. Yet a fundamental … Read more →

When you were growing up you probably played with a toy called the Magic 8-Ball. An oversized plastic billiard ball with a window at the bottom, it was a triumph … Read more →

A fundamental obstacle for many retirement investors is understanding the difference between an investment and an asset class, and how owning an index fund relates. Why own an index fund? Because it … Read more →

The U.S. government recently issued guidelines for the ownership of annuities in 401(k) plans, patching what had been a big hole in many workplace retirement offerings: How to secure an … Read more →

Saving  for retirement is hard work. It involves sacrifice and dedication, a certain selflessness that few possess. Unless it doesn’t. You can make saving for retirement quite easy, even painless. … Read more →

One of the misconceptions people have about index investing is that the return of the stock market indexes is “average” and no better. Why would I want the market return, … Read more →

How often do you see a doctor? Once a year unless you’re sick, right? How about a dentist? Probably twice a year, unless you’re afraid of the dental chair. But … Read more →

“Buy an index fund, and then go to sleep for 50 years.” Sound advice in many ways. But is it the best plan to buy just a U.S. broad stock … Read more →

As the stock market bounces around in October, it’s common for retirement investors to suddenly focus  more intently on their portfolios. After all, a small percentage decline is big dollars … Read more →