How Long Will My Retirement Savings Last?

how long will my retirement savings last

As a Financial Planner focused on retirees, this is one question I hear all the time. It’s of course reasonable that individuals who are starting to think about retirement are concerned about their money lasting. The question comes in numerous variations, but they all mean roughly the same thing: Do I have enough money saved to retire? How much money … Read More

Do Market Downturns Lead to Down Years?

do market downturns lead to down years

Stock market declines over a few days or months may lead investors to anticipate a down year. But the US stock market had positive returns in 17 of the past 20 calendar years, despite some notable dips in many of those years. • Intra-year declines for the index ranged from 3% to 49%.• Many years with large intra-year declines saw … Read More

Is It Time to Sell Stocks?

is it time to sell stocks

After touching record highs in early January, US stocks1 have slumped, and investors have been confronted with worrisome headlines2 in the financial press: “Inflation Hits Fastest Clip Since ’82” —Gwynn Guilford, Wall Street Journal, January 13, 2022 “Economists Cut Back Growth Forecasts as Threats Pile Up” —Harriett Torry and Anthony DeBarros, Wall Street Journal, January 18, 2022 “Giant Stock Swings … Read More

Tales from the Crypto: How to Think About Bitcoin

bitcoin investing

“Everything you don’t understand about money combined with everything you don’t understand about computers.”—HBO’s Last Week Tonight with John Oliver, March 11, 2018 Bitcoin and related cryptocurrencies (now numbering in the thousands) are the subject of much debate and fascination. Given bitcoin’s dramatic price changes, it is not surprising that many are speculating about its possible role in a portfolio. … Read More

To Bit or Not to Bit: What Should Investors Make of Bitcoin Mania?

bitcoin

Bitcoin and other cryptocurrencies are receiving intense media coverage, prompting many investors to wonder whether these new types of electronic money deserve a place in their portfolios. Cryptocurrencies such as bitcoin emerged only in the past decade. Unlike traditional money, no paper notes or metal coins are involved. No central bank issues the currency, and no regulator or nation state … Read More

Midterm Elections—What Do They Mean for Markets?

midterm elections stock returns

It’s almost Election Day in the US once again. While the outcomes of the elections are uncertain, one thing we can count on is that plenty of opinions and prognostications will be floated in the days to come. In financial circles, this will almost assuredly include any potential for perceived impact on markets. But should long-term investors focus on midterm … Read More

How Much Impact Does the President Have on Stocks?

election

The anticipation building up to elections often brings with it questions about how financial markets will respond. But the outcome of an election is only one of many inputs to the market. Dimensional Fund Advisors’ interactive exhibit examines market and economic data for nearly 100 years of US presidential terms and shows a consistent upward march for US equities regardless … Read More

A Roth IRA’s Many Benefits

Why do so many people choose them over traditional IRAs? The IRA that changed the whole retirement savings perspective. Since the Roth IRA was introduced in 1998, its popularity has soared. It has become a fixture in many retirement planning strategies because it offers savers so many potential advantages.   The key argument for going Roth can be summed up in … Read More

Tuning Out the Noise

For investors, it can be easy to feel overwhelmed by the relentless stream of news about markets. Being bombarded with data and headlines presented as affecting your financial well-being can evoke strong emotional responses from even the most experienced investors. Headlines from the so-called lost decade–the 2000s, when the S&P 500 ended below where it began–can help illustrate several periods … Read More

Recent Market Volatility

In recent days, the increase in volatility in the stock market has resulted in renewed anxiety for many investors. While it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility is a normal part of investing. Additionally, for long-term investors, reacting emotionally to volatile markets may be more detrimental to portfolio performance … Read More