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As the wise Yoda once said, "You must unlearn what you have learned." While the 4% rule is a great starting point, it should be just that... a starting point: qoo.ly/35tm5m #StarWarsDay #Maythe4thBeWithYou #financialfreedom #retirementgoals #safetyfirstretirements
Stocks and bonds are expensive and longevity increased so I can't get the retirement income I want. This means my only alternative is to increase my investment risk. Because that's the only reasonable solution to my problem. Should end well bloomberg.com/news/articles/… @CalPERS
Life-Cycle Economics and the Safety First Strategy, an Intro from The Retirement Cafe. ow.ly/KKKN50A0Ldx
Hedging Against Inflation Risk With Real Annuities Zvi Bodie and Dirk Cotton. ow.ly/H0xp50zStgj
“Radio Concerts on the Hill” with Skylar Gudasz chapelboro.com/the-aaron-keck…
Also explains my indigestion.
As usual, Tomlinson gets it right. Bucket strategies are a client-soothing strategy with little evidence that they will outperform — or underperform. Nothing wrong with a calm, average-performing client.
As usual, Tomlinson gets it right. Bucket strategies are a client-soothing strategy with little evidence that they will outperform — or underperform. Nothing wrong with a calm, average-performing client.
This powerful PSA shows how social distancing works trib.al/iCITFm2
Funny what rituals we use to hang onto a shred of sanity in times like these. I accidentally broke my Chemex at breakfast and wanted to cry.
Really? 15 years ago 30 million of us would have done the same thing on AOL.
Really? 15 years ago 30 million of us would have done the same thing on AOL.
"... expectations that no longer match their current reality." How Financial Plans Must Adapt to Market Crashes by Michael Finke. advisorperspectives.com/articles/2020/…
The inextricable link between the pandemic and the economy. Saving lives and the economy from economist, Laurence Kotlikoff. ow.ly/AeRa50yZGM3
The retirement planning question we should have asked all along is one we should ask today. Latest post at the Retirement Cafe. ow.ly/HkHR50yZG8u
Don’t panic about shopping, getting delivery or accepting packages washingtonpost.com/opinions/2020/…
How to score free Ben and Jerry’s as a Retirement Planner. theretirementcafe.com/2020/03/how-to…
While you’re rushing to the library and trying to think up projects for the next several weeks of home isolation, why not take a class on the subject of your choice at Udemy or Coursera? Might as well come out the other side a bit better educated, right. coursera.org
@dcjretiresecure I believe that study assumed fixed withdrawals. If one uses dynamic withdrawals that adjust for emerging investment performance (e.g. RMDs), with a rising equity glide path the annual withdrawals will become more volatile as the retiree ages. That may not work well.
RetirementManifesto @RetireManifesto
14K Followers 5K Following Retired early and moved to the mountains. Founder: https://t.co/7Ik575MzzZ Author: Keys to a Successful Retirement. Helping others retire well.
Michael Finke @FinkeonFinance
4K Followers 1K Following Investments/retirement professor & Frank M. Engle Chair of Economic Security at The American College. Contributing Editor, Investment Advisor Magazine.
Mike Piper @michaelrpiper
7K Followers 258 Following I write about retirement planning. CPA. Also created this: https://t.co/9TrNsSZ1vw
Harry Sit 🟧 @TheFinanceBuff
7K Followers 291 Following Part-time self-employed, blogger, author. I write about investing, taxes, and retirement. https://t.co/JCQZVoWTKC
Corey Hoffstein 🏴�.. @choffstein
66K Followers 1K Following CEO & CIO (Newfound Research) | 🥞 Return Stacking | 🌊 Liquidity Cascades | 📆 Rebalance Timing Luck | ⚡️ Risk cannot be destroyed, only transformed.
Mark Miller @RetireRevised
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Jamie Hopkins @RetirementRisks
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Robert @robmf24
157 Followers 502 Following Addicted to life management and life growth, Internet and Interactive Customer Engagement Guy, lifelong DIY Investor, and other hobbies.
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277 Followers 270 Following I discuss how to manage an unexpected retirement, based on lessons learned in past 8+ years. This is a DIY retirement. Follow my YouTube channel!
kelbymeyers @MeyersKelby
27 Followers 354 Following
Isabella uniquestar @Isabellasexy601
39 Followers 514 Following Sono una donna single di Catania, Italia .....but residing currently in New York...❤️❤️... Hoping to see my soulmate 😊 WhatsApp me....+15186500230
carrie @c_brown26
153 Followers 1K Following
Solo Build It! (SBI!) @SoloBuildIt
4K Followers 318 Following 📈Start and grow an extraordinary niche business online. Solo Build It! includes all you need to be successful. 👇Get 10 Real Life Success Lessons
Budget Simple @budgetsimple
648 Followers 4K Following All-In-One Membership Site Builder For Personal Finance Creators, Coaches & Advisors
Shane Zatezalo @lottadot
342 Followers 514 Following iOS developer. Founder @BuckeyeCocoa Owner @lottadotllc Husband & Dad. Bacon lover. Whiskey too. Ignatius Wildcats++
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12 Followers 32 Following
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355 Followers 1K Following Interested in many things, expert in none, still learning
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42 Followers 915 Following
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1K Followers 3K Following We are a group of top-tier marketing specialists. We deliver managed marketing services for Growing Businesses. #Winnipeg Canada. https://t.co/wH0SDkWVou
DUTCHMAN @elsie7329
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dan @danielhoran
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zhq31 @JerriGEM
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Yofi @JoMaAlVic
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Letian Dong, CFP @Letian_Dong
48 Followers 94 Following Junior Partner @tommorrisnmfn | Retirement Income & Distribution Planner | Chief of Staff | VP of Planning | Team #DEI Lead
🅽🅸🅲🅾🅻�.. @Nicole_91999
48 Followers 1K Following Hi, I’m bored!I want to meet new people.Follow me, I´ll send you my sexiest photo! 😊👅🍑
Holly Maxwell @hollybmaxwell
44 Followers 225 Following
John Kiff @Kiffmeister
7K Followers 207 Following I'm an ex-IMF financial sector wonk who is passionate about fintech and especially digital assets.
Tim Kiesling @TimKiesling
110 Followers 392 Following Christian, Husband, Father, Son, Brother, Retirement Income Expert, Manchester United supporter
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27 Followers 147 Following
Lydia Coates @LydiaCoates3
78 Followers 2K Following I practice safe sex. I tie you to the bed so you won’t fall off.😱 My WhatsApp +1(346)971-0431
Wuchang 勇敢的心 @wuchang
397 Followers 5K Following World Citizen, Macro Economics, Panta Rhei, Amor Fati. 🚴🏻♂️ All is because you are.
Jessica Rivera @jessica_cyhz
1 Followers 84 Following Follow me, follow me, and don't forget the whiskey
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Joe schwartz @doctorj813
183 Followers 2K Following
Kati Nyman @kjnyman
21 Followers 70 Following TV & film buff. Leijonien fanittaja. Future SMSF specialist. WFH is the dream.
CLark @chas_lark
63 Followers 126 Following Detester of spineless & bullshitartist politicians. My opinions on Twitter are my opinions. That’s why I post them.
Jones Wanda @joneswanda9
10 Followers 52 Following A Mortgage professional with years of experience who aim to serve the best financial solution to the client. And loves listening Pink Floyd anytime!! anywhere?
Richard Haiduck, Auth.. @richardhaiduck
1K Followers 4K Following Candid retirement storytelling. Audiobook just released, as Bruce Kramer's professional narration brings character to life. More at https://t.co/zfNqetyK9F
nirav @nirav07181023
1 Followers 10 Following
4Retirees @4Retirees
183 Followers 445 Following 4Retirees was created with one goal in mind; to help retirees take advantage of a new world of opportunities.
Daniel Griswold @DanielGriswold
2K Followers 217 Following Retired trade & immigration policy wonk. Author, "Mad about Trade: Why Main Street America Should Embrace Globalization" (Cato, 2009).
RetirementManifesto @RetireManifesto
14K Followers 5K Following Retired early and moved to the mountains. Founder: https://t.co/7Ik575MzzZ Author: Keys to a Successful Retirement. Helping others retire well.
Robin Powell @RobinJPowell
24K Followers 15K Following Journalist, producer and content marketing consultant, working to change financial services for the better 🇬🇧🇺🇸
Mike Piper @michaelrpiper
7K Followers 258 Following I write about retirement planning. CPA. Also created this: https://t.co/9TrNsSZ1vw
Mark Miller @RetireRevised
9K Followers 2K Following Journalist/author. Not leaving Twitter yet, but follow me at Substack just in case: https://t.co/qYkRYwfweb
Jamie Hopkins @RetirementRisks
12K Followers 1K Following SVP Private Wealth Management, @BrynMawrTrust - WSJ Best Selling Author, President @FinServOrg
Teresa Ghilarducci @tghilarducci
6K Followers 434 Following Labor economist focusing on #retirement security. Director, Schwartz Center for Economic Policy Analysis (SCEPA) @SCEPA_economics at The New School.
EvolveMyRetirement @evolvemyretire
74 Followers 51 Following EvolveMyRetirement is a unique online calculator, that helps find the most sustainable spending and investing strategy both before and after retirement.
WCHL & Chapelboro @WCHLChapelboro
11K Followers 1K Following 📻 & 💻 Orange County's source for news since 1953. 🏀 Flagship station for Tar Heel sports. 🏆 The 2019 & 2021 North Carolina Radio Station of the Year.
NWS Raleigh @NWSRaleigh
55K Followers 199 Following Official Twitter Account for National Weather Service, Raleigh, NC. Details: http://t.co/KKTK7cZlhK
Chapel Hill Police @ChapelHillPD
11K Followers 154 Following We are the #GuardiansOfTheHill. This account is not monitored 24/7. Call 911 in an emergency or whenever you need us!
Joseph Tomlinson @tomlinsonjoet
533 Followers 2K Following Retirement researcher, actuary, financial planner, researching sustainable retirement plans. Golfer, fly fisherman, Michigan alum. Now UK, formerly Maine
Nassim Nicholas Taleb @nntaleb
1.0M Followers 2K Following Flaneur: probability (philosophy), probability (mathematics), probability (real life),Phoenician wine, deadlifts & dead languages. Greco-Levantine.Canaan. #RWRI
William Selden | Rive.. @Rivershedge
3K Followers 1K Following Parent, investor, quant, 60+ fitness. Reporting from the edges and frontiers of what they call the “early elderly.” heh
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96K Followers 187 Following 11 College World Series Appearances | 24 ACC Championships 🏆 | Head Coach - @CoachForbes_UNC | Instagram: carolinabaseball | 🐏⚾️
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ve na deʾ yoo ִֶָ.. @riia
2K Followers 2K Following 🌥 𖦹𝕊𝕆𝔽𝕋ℂ𝕆ℙ𝕐 ᨒ 𝟮𝗢𝗢𝗢 && 𖥻 𝗰𝗮𝗽𝘁𝗮𝗶𝗻 of kwangya? i think it's me, mhn! 🥢 #𝐊𝐀𝐑𝐈𝐍𝐀 ⌕ 彼は幸せなときに魔法を言うでしょう! 🍪 𖥻 nyaam-nyaam! ﹏ 🍥 prettiest, of course is her! 🌺
Dana Anspach @moneyover55
3K Followers 1K Following Author of How to Plan the Perfect Retirement on The Great Courses, Founder of Sensible Money. Lover of spreadsheets, Harleys, mountains, and pitbulls.
CRR Boston College @RetirementRsrch
11K Followers 2K Following The nation's leading source of research on anything involving money and retirement, including Social Security, 401(k)s, working longer, and long-term care.
Wade Pfau @WadePfau
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Moshe Arye Milevsky @RetirementQuant
5K Followers 14 Following Grandfather, parent & husband, published author, public lecturer, finance professor, mathematician & historian, #longevity #18cStocks and bonds are expensive and longevity increased so I can't get the retirement income I want. This means my only alternative is to increase my investment risk. Because that's the only reasonable solution to my problem. Should end well bloomberg.com/news/articles/… @CalPERS
As if the the current reality isn’t surreal enough, 2 barrels of oil = a Big Mac
Bucket strategies for retirement portfolios have been getting attention with the recent stock market turmoil. Here’s my new article for Advisor Perspectives that examines the financial impact of utilizing bucket strategies. advisorperspectives.com/articles/2020/…
@dcjretiresecure I believe that study assumed fixed withdrawals. If one uses dynamic withdrawals that adjust for emerging investment performance (e.g. RMDs), with a rising equity glide path the annual withdrawals will become more volatile as the retiree ages. That may not work well.
Retirement and 529 Changes from the SECURE Act goo.gl/fb/ETEFDX
@dcjretiresecure The argument that there is no crisis rests on the idea that when you look at all sources of income (401k, IRA, Social Security & pensions. But the EBRI model considers all those sources, and finds that the risks for the lower half of households is very large.
Monte Carlo Analysis: Understanding What You’re Dealing With goo.gl/fb/2VkhJA
@EValueuk Which leads to the question: Did taking advice help them save more, or did they take advice because they initially had more savings or more propensity to save?
@Retirement_Cafe @RetirementQuant The Canadian Income Tax Act provides that the "measuring life" for an annuity must be a resident of Canada for tax purposes, otherwise insurer can’t deduct reserves. Most lifecos also want the “owner” to be 🇨🇦 (less of an issue; as ownership can change from 🇨🇦 to non-Cdn)
Required reading from Dirk Cotton @Retirement_Cafe on risk of ruin and the 4% rule theretirementcafe.com/2019/09/the-pr…
@Retirement_Cafe The only problem there is (sadly) most financial advisers will put a 50-something retiree into a portfolio with 70-80% stocks or more. There's an epidemic of advisers that are pushing stock-heavy portfolios some 10 years into a bull market.
Went to the grocery store today. Seemed ridiculous to make a list with just "hand soap refill, something for dinner." So I didn't bring a list. Forgot the soap.
@Retirement_Cafe My favorite: "Let me show you how I can come out ahead by taking Social Security early and investing it." Usually with an 8% risk free return, every year. Your inside is out when your outside is in.
If you elect me president, I promise you won’t have to think about me for 2 weeks at a time. I’ll do my job watching out for North Korea and ending this trade war. So you can go raise your kids and live your lives.
@Retirement_Cafe Did I ever tell you I learned R because I read some doc by some old dude ;-) named Cotton where he used R in the analysis. My first reaction was "what's an R." Second was: If he can do it, bygod I can figure this out, too.
Thanks, Ken. I've seen that point made over the years from time to time, and I'm skeptical. The 7.5% return would have to be risk-free to match SS delayed credits. Don't think that investment exists. And people don't save/invest benefit dollars, they use to meet living expenses.
@amyzipkin @nytimesbusiness @RetireRevised Good column. But your break-even-point assumes that an earlier-than-70 retiree keeps the early money in a mattress. Assume you make ~7.5% rate of return (a la a fund manager assumption) and the age extends great. That money-in-mattress is a bad plan.
On the podcast this week: how to protect your retirement plan from inflation. My guest Dirk Cotton explains why even modest inflation can erode your purchasing power sharply, and we explore strategies for hedging inflation risk. retirementrevised.substack.com/p/how-to-prote… @Retirement_Cafe
And ironically, the truth is that most of the industry that supports 'advisors' is completely unprepared to support advice. Still predominantly focused on product distribution... "The future of the business is clear: It's advice, not investing" kitc.es/2YmZlvy
New rules, new politics on full display last night. If you want to know WHY the #DemDebate2020 was so bold - starting with doubling the top tax rate, then going to corporate concentration, and to 100% clean energy in our lifetimes - check out my new piece in @BostonReview.
"A new economics is being born—one that is being argued everywhere from academic journals to the 2020 campaign trail and is moving with surprising alacrity to mainstream consciousness." Our latest from @FeliciaWongRI: bostonreview.net/class-inequali…
It is wonderful as well as inspirational to see that our country, once again, has someone of such great talent, grit, & integrity representing our country on the world stage. Congratulations & thank you.....Megan Rapinoe!!!!! You make America proud!
After some very important meetings, including my meeting with President Xi of China, I will be leaving Japan for South Korea (with President Moon). While there, if Chairman Kim of North Korea sees this, I would meet him at the Border/DMZ just to shake his hand and say Hello(?)!
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