Contents: Rebalancing, 401(k) plans, when to take CPP, Investment Policy Statement, financial literacy insufficient for better retirement outcomes, fiduciary, Toronto office condos, US housing starts up, FL foreclosures top US, collateral damage of state/city pension plans underfunding to hit employees and taxpayers, reducing bonds allocation, raging or raving bull? Vanguard index switch challenges Personal Finance […]
Contents: Prep to meet adviser, Investment Policy Statement ‘essential’, tactical asset allocation failed, skill vs. luck, index wars: watch for under- and over-laps, “rule of 40”, FL property tax Amendment 4- defeated, bleak retirement for young workers, generous public pensions are paid by those with no pensions, cult of equity is dead? Allocate 10-15% to […]
Contents: LTC costs up, cap- vs. GDP- weighted bond indexing, estate planning in Canada: advantages to giving it away before death, closing the retirement income gap, adviser designations, US house prices up, demographics and Canada’s house prices, Florida property tax, public pensions under attack in Canada and UK, Arnott: avoid big companies, gold price might […]
Contents: Disability insurance, RMD-based withdrawal strategy, target-maturity bond ETFs, scary retirement study, fiduciary advisors in Canada? house prices: Canada peaked-US bottomed? Florida house prices advance, PRPP dead? Federal pensions still generous, low interest rates NOT root cause of underfunded pensions, yuan to trump dollar? change at Fed feared? Ben Stein’s advice, root cause of extraordinary […]
Contents: “Sure things”, single seniors lose, Ellis: “Winners’ game”, elder financial abuse, iShares vs. Vanguard mud fight, other ETF costs, long term care, Khaneman on risk tolerance, Canadian housing on precipice? US home inventories down, Canadiam MP’s and public service pensions tightened, Canada’s and US’s pension systems 6th and 10th out of 18- makes sense? […]
Topics: Conflict of interest, private money managers, required assets for retirement, life insurance in retirement? luxury cars? Cap or GDP weighted bond index? replacing Canadian index ETFs? US housing boom in 2015? Gehry’s Toronto condos, flawed data drives up Canada’s house prices, pension fund asset allocation, central banks’ bubble, IMF: Canada’s debt risk, returns/inflation in […]
Topics: “Glidepath illusion”, ETF costs, Vanguard index changes, investing with dementia, un-indexed SPIAs in decumulation, Canada’s housing slowing, US housing recovery over-rated? “annuity or lump sum”, class action against Nortel pension trustees, Canadian DB pensions stuck underfunded, longevity insurance pushed by US mutual insurers, “investable rally”? financial industry self-serving, inflation/deflation? Bogle’s new book, “family loan […]
In a nutshell In this blog I address the “annuity or lump sum?” and the “if, when and how much to annuitize?” questions with a discussion of the pros, cons and other qualitative considerations that go into this very personal decision. “Annuity or Lump-sum?” One could very simply just take the annuity option (“status quo […]
Topics: Financial advisors add 1.8%, age 65 an obsolete threshold, living inheritance better, US house prices up but not all house price reports the same, Canada’s house market a slow-motion train-wreck? November vote on Florida constitutional amendments more bad news for non-homesteaders, pension/annuity or lump-sum? floundering PRPP, coming ‘tail-risk’ event? Gross: inflation coming- stocks favored, […]
Topics: Retirement mistakes, non-traded securities, ‘grey divorce’, LTC insurance, BOND vs. BND and AGG, equities for retirees, real estate: Canada slowing while US picking up, US pension plan relief to cost taxpayers, 401(k) problems, Canadian pensions move into alternatives, public pension management: Japan vs. Canada, moving past the DB vs. DC debate, passive vs. active, […]
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