Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be.
Rules of thumb won't cut it for this important question. How to customize based on your own situation.
The 4% guideline can put you in the right ballpark, but the best spending policies factor in time horizon, asset allocation, and market fluctuations.
A combination of incremental, not revolutionary, changes can help bridge the gap.
Families must contend with competing challenges: steep glide paths and high inflation.
Use anticipated spending needs and probabilities of a positive return over your time horizon to back into the right mix of cash, bonds, and stocks.
From pensions to small-business ownership, how to know if your mix of stocks, bonds, and cash should not look like the others'.
Volatility can be around any corner.
Nearly every firm has ratcheted down return expectations, but international equity remains a bright spot.
Retirees require stocks' growth potential, but they need a cash and bond buffer, too.
The father of the life planning movement discusses his famous 3 questions, training financial advisors to go deeper, and the climb toward a fiduciary standard.
Charles Schwab's chief investment strategist discusses the rotation away from COVID-19 'thrivers' and the case for non-U.S. stocks.
The first step is to map out what your spending might be for the coming year.
We employ actively managed mutual funds and a stock-heavy portfolio mix.
Its allocations illustrate that even 40-somethings should be mostly in stocks.
Even with retirement on the horizon, our portfolio maintains a sizable equity weighting.
An all-passive portfolio for investors with very long time horizons.
This equity-heavy portfolio also includes a small dose of high-quality bonds.
For a pre-retiree, our portfolio includes a larger--and better diversified--stake in bonds.
Here are some initial steps to take toward improving your financial well-being in 2021.
All portfolios posted strong gains in absolute terms, but a classic 60/40 portfolio was tough to beat.
The NewRetirement founder discusses how retirement planning can be simplified, the role of automation, and the challenges facing new retirees.
Cash was certainly a drag, but all of the portfolios notched respectable gains in a strong year for stocks and bonds.
This portfolio is geared toward retirees with roughly 20-year time horizons.
This ETF-oriented portfolio is ideal for retirees with shorter time horizons.
This ETF-oriented portfolio is ideal for retirees with long time horizons.
Bookmark this guide to stay abreast of the tax-related dates and data that should be on your radar this year.
What to do now and down the road.
Schwab's chief investment strategist discusses the impact of the pandemic in 2020 and what the new year will bring for the market and the economy.
Keeping an eye on RMDs, withdrawal rates, and more.
As the new year dawns, here's your plan to get financially fit, one job at a time.
What are the rewards and risks of using this technology?
From coronavirus to ESG, these are some of the most memorable moments from our podcast in 2020.
From financial-life planning to the latest retirement research, these are some of the most memorable moments from our podcast in 2020.
What are the pros and cons to now or later?
When should this be done?
How to plan for things you can't plan.
Contractors and other self-employed workers need a bigger safety net, less idiosyncratic risk, than other workers.
And what can investors do to prepare?
IRA conversions and tax-gain harvesting may be worth considering.
The financial expert and author discusses how the pandemic can improve financial habits, what works in financial education, and the link between financial stress and well-being.
Including who can use qualified charitable distributions.
It may be tempting to undertake a dramatic makeover, but an incremental, forward-looking approach is best for taxable accounts.
Ed Slott discusses some of the tax implications that are unique to this year.
Inquire about areas of expertise, compensation arrangements, and credentials before signing on for financial help.
What's different in 2020?
Who receives care, who provides it, the economic cost, and the devastating effects of COVID-19.
The Harding Loevner co-CIO discusses owning a soccer team, behavioral finance, and the people and processes that make up the firm.
This type of charitable contribution carries a high impact.
How to approach donations in this peculiar year.
These seven steps tackle a lot of jobs: refilling cash, rebalancing, tax planning, and charitable giving.