Archive | Retirement Planning

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Index Funds Beat Popular Managed Funds in 2015

Portfolios of Fidelity and Vanguard stock index funds topped the 2015 performance of portfolios of actively managed funds recommended by Kiplingers, Money, and Forbes. The Fidelity portfolio’s 2015 real return topped Kiplinger’s by 0.66%, Money’s by 1.85%, and Forbes’ by 2.29%. This analysis shows that even the experts often miss picking stock funds to beat the market. […]

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Rebalancing Retirement Accounts Made Easy

When do you rebalance your retirement accounts? You have chosen and implemented an asset allocation (the percentage of stocks and bonds in your portfolio) that matches your desired risk and reward level. But you just received your year-end retirement account statement. The weighting of each asset class in your portfolio has changed! What happened? Over […]

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Retirees Win With a Fiduciary Duty

The Obama Administration proposed this summer to impose a fiduciary duty on financial advisors that provide retirement advice. This duty includes the duties of due care, loyalty, and utmost good faith when advising a client. This proposal puts investors’ retirement interests first rather than the profit interest of the advisor selling a financial product that may […]

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Phase Out of Social Security File-and-Suspend Strategy

Congress recently began to phase out file-and-suspend Social Security claiming strategies that married couples have used to maximize their lifetime benefits. The upshot is that married couples will be treated like singles:  the combination claiming strategies are now generally eliminated. But if you are at least 62 in 2015 and you haven’t claimed Social Security […]

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