Evaluating Your Social Security Options
As retirement age approaches many questions arise about Social Security including the following: Should I start drawing benefits as soon as possible or postpone? If I do postpone, how long should I wait? If I am married or divorced, how can that impact my decision? When will I “breakeven” on my decision to postpone? Rules […]
Planning for Medicare
Why would an investment advisor’s website contain a blog about Medicare? The cost of health care is an increasingly important piece of retirement planning, and it is a shock to many who have been covered under an employer plan that is often subsidized by the employer, sometimes at 100%. Most employers either reduce the subsidy […]
Retirement Income Strategies
I was recently challenged by an investor couple attempting to determine the amount of annual spending they can make based on their portfolio. How, they asked, can we make a rational decision when we do not know the future return in investment markets, the future rate of inflation or their life expectancy? My general rule […]
More on Portfolio Inflation Strategies
\A May 2011 lengthy article by Gahagan and Martin, suggests a modest, permanent allocation to inflation-hedging -assets , such as TIPS, commodity futures, and REITs. The interesting part of the article is a discussion of how different inflation-hedging assets perform across the inflation cycle. For example, TIPS perform best in an inflationary period of less […]
