Money For the Rest of Us6 Tammi 2021

The New Math of Retirement Spending and Investing

How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed.

Topics covered include:

How managed payout and income replacement funds compare to immediate annuities
Why Vanguard and Fidelity changed the objective of their retiree focused income replacement and managed payout funds
How fixed annuities work
How retirees should combine annuities with multi-asset class portfolios to ensure a successful retirement
Why the 4% retirement spending rule is not appropriate for all investors all of the time.
Why inflation is the biggest determinant of how much retirees can spend
Why is there so much controversy over the current and future inflation rate

Thanks to Mint Mobile and Truebill for sponsoring the episode.

Show Note Links

Vanguard Throws in the Towel on Its Managed Payout Fund by Daren Fonda—Barron's

Generating Retirement Income Isn’t Easy, Even for Vanguard by Reshma Kapadia—Barron's

Today's Best Multi-Year Guaranteed Annuities (MYGAs)—ImmediateAnnuities.com

Opinion: The inventor of the ‘4% rule’ just changed it Brett Arends—MarketWatch

The Price of Tomorrow: Why Deflation is the Key to an Abundant Future by Jeff Booth

Alternate Inflation Charts—John Williams' Shadow Government Statistics

Americans Are Richer Than We Think by By Phil Gramm and John F. Early—The Wall Street Journal

For more information on this episode click here.

See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Tämä jakso on lisätty Podme-palveluun avoimen RSS-syötteen kautta eikä se ole Podmen omaa tuotantoa. Siksi jakso saattaa sisältää mainontaa.

Jaksot(580)

How to Navigate the AI Debt Bubble

We explore the expected size of AI-related debt, which vehicles hold it, what could go wrong, and how to protect yourself.Topics covered include:How AI capex boom compares to other large booms and bus...

29 Heinä 26min

Is Inflation Manipulated? If So, What to Do About It

How inflation numbers are manipulated to appear lower. How to change your mindset about inflation to get ahead of it.Topics covered include:How Inflation (PCE) Calculations Are ChangingWhy the CPE Cha...

15 Heinä 25min

A Listener's Path from Zero to Millionaire in 10 Years - Nine Lessons to Get You There

David shares nine lessons a listener followed to become a millionaire.Topics covered include:The benefit of underspending on housingWhat rate of return and how much would you need to save to grow a po...

24 Kesä 29min

Will You Be Forced to Own SpaceX and Other AI Stocks?

SpaceX, Anthropic, and OpenAI are all going public. Why now? And what will their weight be in index funds? What other U.S. ETF options are there if you don't want to have such a high concentration in ...

10 Kesä 25min

Don't Fall Into the Dividend Trap. How Investors Misunderstand Covered Call ETFs

We explore the free dividend fallacy and how it applies to option income strategies. We break down the return drivers of covered call ETFs and examine the long-term performance record and volatility. ...

27 Touko 25min

We Are All Wayfinders

Why we have to navigate investing, business, and life with a compass rather than a GPS. David also provides an update on what he has learned from hosting live portfolio cohorts and letting AI analyze ...

13 Touko 23min

Five Practices That Have Shaped My Career

I share five business practices that have carried me through asset bubbles, financial crises, business pivots, and now the rise of AI.Topics covered include:Recommended note-taking app and practicesRe...

29 Huhti 27min

Invitation to Our Live Portfolio Review and Rebalancing Special Webinar

Please attend our live webinar on portfolio construction and rebalancing scheduled for Thursday, April 30th, at 12PM Eastern, 9AM Pacific time. I will cover the five steps to constructing and rebalanc...

22 Huhti 3min