Resources

How Do Black Swan Events Affect Retirement Income?

How Do Black Swan Events Affect Retirement Income?

The term “Black Swan” has become a shorthand in finance for a large, sudden market drop.1 The dramatic stock market drawdown and economic events of the last month (like the 17 million new claims for unemployment in the last three weeks) have led many to apply the term...

What do Unemployment Claims Mean for Retirement Income?

What do Unemployment Claims Mean for Retirement Income?

In the last two weeks, the U.S. Department of Labor has released the highest weekly initial unemployment claims numbers on record. Almost 10 million Americans filed for unemployment over a two-week period at the end of March. To put these numbers in perspective, the...

Response and Insights to the COVID-19 Pandemic

Response and Insights to the COVID-19 Pandemic

Like most in the country and the world, our most urgent concerns surround the health and wellbeing of our communities during the COVID-19 pandemic. We want to express our support and admiration of those on the front lines of this fight, including medical workers,...

It’s Time to Retire Static Planning

It’s Time to Retire Static Planning

The analytics behind today’s retirement plans focus on how things might work out if a given set of choices (investment allocations, portfolio withdrawals, cash flows, etc.) are carried on into the future without change. But this static approach to planning is a crude...

Sequence of Returns Risk Has Been Greatly Exaggerated

Sequence of Returns Risk Has Been Greatly Exaggerated

When trying to decide how much someone can afford to spend in retirement, we often worry about poor investment returns early in retirement. Poor returns early in retirement can permanently limit retirement income. Researchers call this Sequence of Returns Risk....

Planning for a Long Life Can Be Dangerous

Planning for a Long Life Can Be Dangerous

On the face of it, planning for a very long life – well beyond life expectancy – seems like a great way to minimize risk in retirement. Assuming we will have to spread a nest egg out over a long retirement ought to cause us to be conservative and spend less right now....

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