You hear a lot of rules of thumb on asset allocation. “Own your age in bonds” and similar ideas, usually meant to lower your risk from a sharp move downward … Read more →

Saving for retirement is hard work, especially starting out. It’s no picnic to sock money away you might spend instead. But you have to do it, and the earlier the … 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 →

Frankly speaking, the biggest advantage of any single investor is time. How big an advantage? Big enough to allow an ordinary saver to retire well with no worries. That’s not … Read more →

I was in a great debate with a mathematician who builds algorithms for a multibillion-dollar hedge fund. He was adamant that his market timing and stock picking algorithms did better than … Read more →

Inflation is a sneaky pickpocket that slinks into your wallet in the form of higher prices on food, gas and other necessities, quietly robbing you of wealth. It’s the invisible … Read more →

As a young child I had an ongoing battle with my mother over eating my peas. It may have related to the fact that the peas she served came from … Read more →

There are different types of retirement investors and ultimately, different approaches to growing your money. Some investors play the high stakes game of competing against the market itself. These investors … Read more →

We were honored that Rob Silverblatt at U.S. News & World Report listened to us and rigorously dug deep with us into the powerful secret of event based rebalancing over … Read more →

As you review your returns for the last year, and possibly the last decade, you may agree that retirement investing was dealt a hard blow; what you may not be … Read more →