Key takeaways: Everyone knows we should buy when prices fall but not many know HOW MUCH more to buy when markets do fall because markets could keep falling for an indefinite period in the future This article presents Dr.…
Key takeaways Given how big one’s portfolio typically becomes, there is a lot riding on market returns during the last 10 years of a typical 40 year investing time horizon As a simple example, for a person who reaches…
Key takeaways Conventional wisdom states that one should decrease equity exposure as one nears and gets into retirement Bill Bengen’s research on the 4% rule suggested it was better to hold one’s equity allocation steady at the level at…
Key takeaways For a 4% SWR & 50% equity allocation no one had less than about 35 years before his retirement money was used up. For a 3% to 3.5% withdrawal rate even a 50:50 equity debt portfolio always lasted…
Key takeaways The 4% rule is critical because it helps calculate what portfolio value you need in order to retire safely Looked at another way, it is also critical because it tells you how much you can spend in retirement…
Key takeaways In the short term certain fund categories can generate astronomical returns But most such funds also carry a high risk & probability of falling as hard as they rise If any fund you own is generating high returns,…
Key takeaways: Increasing the percentage of equity / stocks in your portfolio is a near sure fire way to increase the long term returns from your portfolio But increasing equity / stocks also makes your portfolio much more volatile in…
Key takeaways More risk = More return & Less risk = Less return If a scheme promises high returns with low risk it’s most probably a scam When we see high returns we normally never seek to question them On…
Key takeaways It’s easy to get carried away when we see attractive returns from an investment This is when we need to look at the other side of the coin & make sure we do due diligence on the risks…