Category: Retirement Tales

A Rising Tale

A Rising Tale “You Need to Focus” Interest rates.  We are constantly bombarded with these rascals.  To some, understanding them is easy.  To others, forget about it.  This is A Rising Tale, because that is the talk of the town these days as the 10-year treasury has risen above the magic 3% mark.  Why it’s […]

RETIREMENT PLANNING: TARGET DATED FUNDS VS. PASSIVE INDEX FUNDS

RETIREMENT PLANNING: TARGET DATED FUNDS VS. PASSIVE INDEX FUNDS

In addition to Target Dated Funds, many investors buy passive index funds for their 401k, 403b and IRA retirement plans.  They do this systematically out of every paycheck.  They have recently seen the three major indices fall by over 10% and many are asking what they should do during this market correction.  Many are asking […]

HOW CAN I SPEND MORE MONEY IN RETIREMENT? A PARTNERSHIP TALE

HOW CAN I SPEND MORE MONEY IN RETIREMENT? A PARTNERSHIP TALE

Did you know you have a partner?  Let’s see if you can guess his name.  He is a relative.  You know him well.  In fact, every year we celebrate his birthday with fireworks.  You probably know the answer by now but if you don’t, let me introduce you to your Uncle Sam. Uncle Sam is […]

A TALE OF DOOM AND GLOOM: “ONE SIZE DOES NOT FIT ALL”

A TALE OF DOOM AND GLOOM: “ONE SIZE DOES NOT FIT ALL”

I recently ran into Kyle who I’ve known since high school and was one of my very first clients. He is a deep thinker, a quick study and has always been a bit irreverent so I wasn’t surprised that the first words out of his mouth were “Hey Carlos, how’s it going in the world […]

DISTRIBUTION RATE VS INFLATION RATE: A DISTRIBUTIVE TALE

DISTRIBUTION RATE VS INFLATION RATE: A DISTRIBUTIVE TALE

This tale examines the relationship between the inflation rate and the distribution rate.  It is not meant to give you a complete understanding about what other factors should be taken into consideration when planning for the “Distribution” or “In-Retirement” phase of your life.  It is just intended on teaching the relationship between these two factors.  […]

AN AARP TALE: “THE PAYOUT RATE VS. THE INTEREST RATE”

AN AARP TALE: “THE PAYOUT RATE VS. THE INTEREST RATE”

My 85 year old father recently received a solicitation from AARP.  For those that may not know about AARP, it stands for the American Association of Retired Persons.  He showed me the solicitation letter and since we both thought the offer looked tempting, we did exactly what the letter instructed and asked AARP to send us […]

A BEGINNER’S TALE: “HOW DOES TIMING AFFECT MY RETIREMENT?”

A BEGINNER’S TALE: “HOW DOES TIMING AFFECT MY RETIREMENT?”

We’ve all heard the phrase “timing is everything.” It is especially important when you reach the stage in your life where your portfolio or assets must provide a stream of income for the rest of your life. This means that when you retire matters. If you retire a year earlier or a year later it […]

A TRICKY TALE: “THE AMERICAN MUTUAL FUND VS THE FIDELITY MAGELLAN FUND”

A TRICKY TALE: “THE AMERICAN MUTUAL FUND VS THE FIDELITY MAGELLAN FUND”

Do you remember 1969? I remember bits and pieces since I was only 11 years old at the time but most notably I remember the Miracle Mets beating my beloved Baltimore Orioles in just 5 World Series games. I was heartbroken for months. The Orioles had assembled what I still consider one of the finest […]

A TALE OF ANARCHY: “HOW CAN I RECOVER MY INVESTMENT?”

A TALE OF ANARCHY: “HOW CAN I RECOVER MY INVESTMENT?”

I use the word anarchy to describe the mathematics of investment loss recovery. Anarchy refers to political disorder but you can think of it as portfolio disorder. It is imperative that investors understand the mathematics of recovery. If you don’t you run the risk of outliving your assets. So you may wonder how can I […]

A RETIREMENT TALE: “HOW SHOULD I PLAN FOR MY RETIREMENT”

A RETIREMENT TALE: “HOW SHOULD I PLAN FOR MY RETIREMENT”

Let me introduce you to three families. One family loves to take risk and they live life certain that whatever comes their way they can handle it. The other family is super cautious. If there is any danger in sight, they can smell it a mile away and stay clear of it. The last family […]

Scroll to Top