All Withdrawal Strategies are Risky
Myriad withdrawal strategies are discussed in the personal finance community. The choice of which to use is important, but all are risky.
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Playing Limbo with Your Withdrawal Rate?
Many have argued that retirees of traditional retirement age should lower their starting withdrawals to 3%, but their arguments are shaky.
All Investment Strategies are Hard
From a behavioral perspective, all investment strategies are hard to stick with but in different ways and at different times.
A Review of "Mis-Inflation: The Truth About Inflation, Pricing, and the Creation of Wealth"
This is a review of an enlightening book in which the authors claim that the real problem we face going forward isn't inflation.
The Interplay Between Returns Risk and Sequence of Returns Risk
Investors place much attention on average returns, but sequence of returns risk can be even more important.
Considerations in Paying Down One's Mortgage
In this post, I explore several factors that relate to paying down one's mortgage or investing.
Uses of Backtesting
Backtesting historic data can be useful to investors, though it has limitations and must be used with care.
Target-Date Funds: The Good and Bad
Target date funds can be very effective investment instruments, though they are not appropriate for everyone.
Investing is More like Poker Than Chess
Investing is more similar to poker than chess, and the analogy can be instructive to investors.
Yes, You Lose Value When Your Investments Fall in Price
Many investors believe that 'you don't lose money until you sell', yet this idea is both false and dangerous.
A Review of Inspire's Screening Tool and BRI Funds
Inspire's biblically-based screening tool for stocks and funds are reviewed in this post along with Inspire's funds.
What is Investment Risk, Really?
There is no widespread agreement on precisely what investment risk is, and the single biggest risk investors face is seldom discussed.
No Tax on Gifts Exceeding $16,000 per Year
Many are under the mistaken belief that they will have to pay a tax if they make a gift exceeding $16,000 in a year, but this is false.
The Criticality of the Decade Before You Retire
The decade leading up to a person's retirement is usually risky, though steps can be taken to make one's plans more resilient.
Should You Focus on Reducing Your Expenses or Increasing Your Income?
We need to find the right balance of reducing our expenses and increasing our income to build a secure financial future.
Can a Christian Own a Mutual Fund?
As stewards, Christians are called to grow what God has entrusted them with, though they must seek to do so only in ways that honor Him.
You Have More than Rockefeller
In many ways, you likely have more than John D. Rockefeller did fewer than 100 years ago.
How to Use the Need/Ability/Willingness Framework to Set Your Asset Allocation
The need, ability, and willingness framework can help investors understand how much risk they should take on, but it is confusing to many.
What We Can Learn From Older Americans' Financial Regrets
The biggest financial risks of older Americans were recently examined. Some of these regrets make sense, while others don't.
How to Move Funds From Your HSA to Your Roth IRA
Many with HSAs pay for medical expenses out of pocket and retain receipts to be reimbursed later, but there is an even better plan for many.
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