Retirement Researcher

12
Jul

Ignore the Financial Media

Ignore the Financial Media WHAT IS OCCAM’S RAZOR? Occam’s Razor is a principle attributed to William Occam, a 14th century philosopher. He stressed that explanations must not be multiplied beyond what is necessary. Thus, Occam’s Razor is a term used to “shave off” or dismiss superfluous explanations for a given event. This concept is largely ignored within the investment… Source:

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8
Mar

Women and Financial Planning

Women and Financial Planning This year’s International Women’s Day campaign theme is #BalanceforBetter, “Think equal, build smart, innovate for change”.  It is a time to applaud the progress of women’s achievements around the world. However, even with incredible progress, women face unique circumstances when approaching retirement. Women Live Longer Than Men Because women tend to live longer than men, they

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11
Jan

Occam’s – Should You Try Timing to Avoid Bad Markets?

Occam’s – Should You Try Timing to Avoid Bad Markets? Everyone likes the markets when stocks are going up. We’re all getting the returns that we are “supposed” to be receiving for putting our money at risk. Naturally, we aren’t big fans of the market when stocks start falling. Unfortunately, stocks are “supposed” to go up and down – a

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11
Jan

Occam’s – Can TIPS Help You?

Occam’s – Can TIPS Help You? Inflation is one of the most serious risks that retirees face. While there are a lot of ways to mitigate inflation risk, TIPS, or Treasury Inflation Protected Securities, are one of the few investment options that directly hedge against inflation risk. They aren’t perfect, and there are certainly some things to consider when you

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21
Dec

How Does the Market in 2018 Stack Up Historically

How Does the Market in 2018 Stack Up Historically There’s been a lot of ‘sturm und drang’ around what the markets have been doing lately. The financial media has been talking about how this is the sign of the inevitable end of the world.   Of course, we’ve had a few things lately that were also supposed to be signs the world’s crashing down on our ears. But, well, the

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21
Dec

Black Monday Is Not a Black Swan

Black Monday Is Not a Black Swan Last Monday, the S&P 500 dropped by more than 3.5%. This is a big drop, and has a lot of folks wondering if they should be invested in the market at all. It’s easy to get wrapped up in media coverage, and not keep last Monday in perspective. It was a bad day,

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21
Dec

The Problem with the Chinese Stock Market

The Problem with the Chinese Stock Market The Problem with the Chinese Stock Market Last week, the mainland Chinese stock markets were on a roller coaster and the world markets were along for at least some of the ride. A lot of investors are nervous, which is understandable. Their financial future might be at least somewhat dependent on what happens

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19
Nov

Charitable Planning Strategies for the Fragile Decade

Charitable Planning Strategies for the Fragile Decade As our clients at McLean Asset Management near retirement, we notice that many do not bring up charitable gifting strategies to help optimize their retirement plans. Perhaps it’s a focus on solving the longevity goal of making sure there is enough money to meet yearly expenses exclusive of other goals, or perhaps it’s

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16
Nov

Is There Such a Thing as “Too Diversified?”

Is There Such a Thing as “Too Diversified?” A client brought up the concept of being too diversified recently, and it gave me pause. My initial reaction was that there is no such thing . Diversification is a good thing. It allows you to minimize  risks inherent in individual investments (company gets sued, senior executive leaves, “next big thing” flops,

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2
Nov

Midterm Elections: What Do They Mean for Markets?

Midterm Elections: What Do They Mean for Markets? With the recent market volatility this last month and the upcoming mid-term elections, it is not uncommon to receive questions regarding the potential market reactions. Dimensional provided a great little piece on this below. The two exhibits that accompany the article really tell the story nicely. Enjoy! Midterm Elections: What Do They

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