New Posts Starting August 18, 2007

Updated: October 6, 2007.

Saving For Retirement

Those who are still accumulating money for retirement are in an excellent position. Those who are already in retirement can do much better than conventional studies claim. Both should use the techniques developed at this site.

Saving For Retirement

Avoiding Disaster

A retiree should avoid selling stocks. Upgrading his portfolio is an exception.

Avoiding Disaster

Shun Rebalancing

Rebalancing is a bad idea.

Shun Rebalancing

Is $200000 Enough?

How much do you need? For a traditional retiree, $200000 can be enough. A younger retiree needs more. Partial retirement may be a better choice.

Is $200000 Enough?

Annuities and TIPS

Annuities deserve another look.

Annuities and TIPS

Risk Leads to Bankruptcy

We have been so inundated by salesmen that we no longer respond to real dangers.

Risk Leads to Bankruptcy

Dividend Growth and Bond Ladders

It is reasonable to withdraw 5% (plus inflation) if you use a bond ladder and reinvest in dividend stocks as the yields of high quality companies become attractive.

Dividend Growth and Bond Ladders
Dividend Growth and Bond Ladders Addendum

The Great Mistake

Retirees need income. Accumulators need total return. Mix the two and you make the Great Mistake: the 4% safe withdrawal rate.

The Great Mistake

Dividend Growth Rule of Thumb

Here is a rule of thumb about dividend growth. It helps us select investments for the Dividend Blend.

Dividend Growth Rule of Thumb

Dividend Growth Story

This is why dividend growth is so attractive.

Dividend Growth Story

Free Lunches for Everyone

Have you ever heard someone say “and that would be a free lunch” as a proof of an investment argument? I have. Repeatedly.

Free Lunches for Everyone