Tag Archives: investment

Investment Risk for Retirees

In our ongoing series on risks faced by a retiree, this time we want to talk about “investment risk.” When we’re saving for retirement while working, we hopefully never have to sell a retirement investment to generate income. We’re working … Continue reading

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The 4 x 14 Portfolio™ Updated with 2012 Performance Data

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A Hassle-Free, Well-Balanced Investment Strategy for:            IRA Investors           401k and 403b Savers           Retirees Who Need Retirement Income The 4 × 14 Retirement Portfolio™ One of the most important decisions to make as a retirement investor is the … Continue reading

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Fun with Investment Math

Time for an investment quiz (no worries–this is just one question). You can choose from one of the following two hypothetical mutual funds. The Racy Fund gained 75% in 2010 but lost 45% in 2011. For the two years, its … Continue reading

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Finance Friday: The Naïve Approach for Retirement Investing

A study from earlier this year found that 401k investors sometimes follow what I call a “naïve” investing strategy. These workers evenly divide their 401k money among their mutual fund choices. Thus if a plan has 5 investment choices, a … Continue reading

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Is Cash King in Retirement?

Conventional wisdom says that in retirement, you should take less risk with your investment portfolio, especially the older you get. There is some wisdom there, in a general sense. But as always, a person’s individual circumstances really define whether a … Continue reading

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Retirement Myth: Never Spend Your Principal

The conventional wisdom in retirement planning is to never spend your principal once you’re retired. That would make good sense in many cases, except for that little collection of rules overseen by the IRS known as the Internal Revenue Code. … Continue reading

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Why the Mix Matters: A Short, Simple Investment Quiz

When you think about adding a new mutual fund to your investment mix in say your retirement account, do you just look at the new fund’s performance numbers? If so, you’re making a mistake! Watch and see why. It’s the … Continue reading

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