Investment Planning Topics
Equity Allocation Revisited
I have written often in this blog how one of the most important investment decisions you must make is selecting your appropriate equity allocation for your retirement portfolio. In my discussions on this topic, I have referenced a simple equity allocation guideline, “100 minus your age,” people can use that I first explained in this […]
Withdrawing Funds in Retirement
Because I do not have an employer provided pension or health care benefits, and I will not be eligible for the Social Security or Medicare Programs for many years, 100% of my retirement income comes from assets invested in the real estate and financial markets. Consequently I cannot afford any big mistakes in my investments. […]
The Most Important Investment Concepts I Have Learned
As a follow up to my previous post on How a Bad Investment Experience Changed My Life, I will discuss in this post what I think are the most important investment concepts I have learned from my investing experience and research. I have talked about these concepts in previous posts but, to start off the […]
How a Bad Investment Experience Changed My Life
Recently I had lunch with an old friend. My friend is about ten years younger than I am and is still working. He asked me a question that I had to think about. My friend wanted to know what are the most important investment lessons that I learned over my investing life. In this post […]
Addressing Inflation in Retirement
My last post discussed my biggest retirement fear; the fear that the US will experience persistent high inflation at a rate much greater than the return on my retirement assets. In this post I will discuss several ways that retirees can try to mitigate this risk.
How a Young Investor Should Invest Retirement Funds Today
I recently had lunch with a former co-worker who asked me straight up how I thought she should be investing for retirement in the current investment environment. She is only in her early 30s but has been saving diligently for retirement and seems genuinely concerned about the current economic climate. So, I thought I would […]
Markets Got you Spooked?
Not me, I could not care less what the markets do. Why am I not concerned about the equity markets? Because I have already set my equity allocation at a percentage that I am comfortable with. That is, my equity allocation is such that a market down draft would not bother me. In fact, I […]
Should I Invest in Gold?
The last several blog posts have been about ideas and concepts regarding how to intelligently and simply invest in the financial markets. I thought I would take a break from talking about the financial markets and spend some time discussing alternative investments (i.e., besides stock and fixed income investments). One question I have heard a […]
Equity Income Investing
An important part of an equity’s return is the annual income it provides. However, in my experience when talking to investors, most people only pay attention to an equity investment’s potential capital gains and ignore the investment’s income. In this post I will provide some historical information and my own opinion why I think this […]
Tactical Versus Strategic Investing
I got an inquiry about my last three blog posts, the three important investment concepts, suggesting that these are market timing techniques. I disagree with this characterization. These 3 investing concepts are just important things to keep in mind while you are investing. But it is possible these investing concepts may cause you to do […]
