A retirement portfolio is a collection of investments that are held in a retirement account, such as a 401(k) or Individual Retirement Account (IRA). The purpose of a retirement portfolio is to help you save and grow your money for retirement, while also taking into account your risk tolerance and investment goals.
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What if budgeting wasn't about restriction, but about giving every dollar a purpose? This week, Roger sits down with Jesse Mecham, founder of YNAB (You Need A Budget), to discuss the power of intentio...
Retirement planning is often dominated by withdrawal rules, Monte Carlo probabilities, and portfolio‑centric heuristics. But none of these tools directly measure the core financial question every reti...
$1,440,000 sounds like the finish line. For a lot of people it's actually where a brand new problem starts, one nobody warns you about before you get there. I've sat across the table from hundreds of ...
The most underestimated risk in retirement may be the one your financial plan can't prevent — the cognitive decline that happens when your mind isn't challenged.
The S&P 500 has been a portfolio staple for generations. But how should an index ETF actually fit into your retirement strategy? Here is what experts say.
Schedule a Free Financial Assessment with an experienced professional: https://purefinancial.com/lp/free-assessment/?utm_source=captivate&utm_medium=podcast&utm_campaign=free-assessment&utm_content=ym...
Artificial intelligence is transforming markets, but retirees should approach the AI investing theme with caution and a well-diversified portfolio. The post AI for conservative investors appeared firs...
I've sat with 100 retirees, and the biggest regret almost never has anything to do with a bad investment. It's something I call the momentum trap. At 62, every single signal tells you to keep going, a...
Today, I'm excited to welcome Dr. Phil Pearlman to the podcast. Phil is the founder of the Pearl Institute, a clinical psychologist, former financial executive, and one of the leading voices exploring...
This week Roger explains why rebalancing is one of the most important disciplines in retirement planning. In the Retirement Toolkit, he explores the difference between a traditional investment allocat...
Annuities can help you feel confident to enjoy a financially secure, healthy, and happy retirement.
As I look ahead to graduating from residency, here are my thoughts about whether and when I should change my portfolio's asset allocation. The post Why I’m Changing My Asset Allocation Before I Become...
Retirement researchers increasingly recognize that real spending does not remain flat throughout retirement. As Dr. David Blanchett emphasized in his recent Think Advisor article: “Integrating reduced...
Total market bond funds aren't inherently safe investments. What investors and their advisers need to consider before adding them to a healthy portfolio.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/YMYWassessC The margin loan debate continues today on Your Money, Your Wealth® podcast number 589. Jack and Jill r...
Wealth protects your lifestyle, but liquidity protects your wealth. Here’s why a strategic cash cushion is still your portfolio’s best line of defense.
FIRE is ultimately about being set for life. You build a portfolio big enough to cover your expenses, and then your one job is to not blow it up. But here's the tension worth talking more about. The m...
Is your portfolio as well built and diversified as you think? If you're worried it won't help keep you safe in retirement, it could be time to renovate.
Households often have assets they expect to use during retirement that are not level streams of income, as well as expenses that are not expected to recur every year. These items need special handling...
About 9 months ago I decided that July 1st would be MY independence day. Technically it is July 3rd, but that is a holiday and I managed one last PTO day on the 2nd! I've been planning for many years,...
Europe's deadly heat wave and dangerous U.S. temperatures reveal a new retirement risk and question: whether the place you call home is prepared to support a longer life?
Geographic Arbitrage is the most underrated risk-management tool in early retirement, and could help you shave years off your FI journey! Read more → The post Your ZIP Code Is a Bigger FIRE Lever Than...
You'd assume retiring with $10 million is a hundred times better than retiring with $100,000. It isn't. And the reason is stranger than you'd think. Because the size of your portfolio barely tells you...
To ensure a fulfilling retirement, view longevity as an opportunity and maintain a balanced portfolio that accepts some risk while planning for substantial costs.
We have recently received inquiries as to how to use Copilot to implement the Actuarial Approach. Copilot can use different data sources to provide reasonable results, but we recommend that you provid...
I am 63 and married for 30 years - husband is 67 and retired from corporate 2+ years ago. We are financially sound - our FA says we are in great shape with nothing to worry about and that I can retire...
Prudent retirement planning requires using a planning horizon longer than your life expectancy. In prior posts we have recommend using the Actuarial Longevity Illustrator and the three-step process ou...
This podcast episode talks with Jeromey Thornton about the evidence behind factor investing, how Avantis Investors approaches portfolio construction, and what sets the firm apart from other fund provi...
This week, a simple quote about wasting time sparks a deeper conversation about why retirement isn't meant to be endlessly optimized. In the Retirement Toolbox, we compare mutual funds and ETFs, explo...
If your portfolio has been underperforming, you might need to fire your adviser. That gets tricky if you share a friend group.
Any thoughts or advice would be appreciated. I'm 59½ years old. I've worked and saved for decades and am fortunate to be in a very strong financial position. My total portfolio is about $2.6 million, ...
When my Father-in-Law asks a timely question about passive index fund investing, it surely means many of you have the same question. And it’s regarding a unique scenario unfolding due to the upcoming ...
Retirement isn't just about playing it safe. It's about having a plan that manages taxes, protects cash flow and keeps your portfolio aligned with your goals.
Schedule a Free Financial Assessment with an experienced professional: https://bit.ly/PureFreeAssessment Joe Anderson, CFP® and Big Al Clopine, CPA spitball for people sitting on life-changing gains w...
You can help protect your retirement by focusing on the one factor you can control — the unexpected costs of investing. Here's what to consider.
We recently came across a Monte Carlo modelling tool called the Retirement Probability Simulator (RPS). It is a free tool available at DIYretiree.com that our readers may find useful in their financia...
While most DIY investors focus on short-term portfolio performance, CFAs and CFPs specialize in long-term strategies that support your full financial picture.
We consider the case of a retired couple relying on summer rental income from a $1.1 million beach house. Local zoning changes are forcing a hard choice between lifestyle and portfolio stability.
Age 58, plan to retire at 63. Between retirement and when our pension and Social Security kick in (ages 68 and 70 respectively), I'll have a 5-7 year window where my portfolio needs to cover a signifi...
Your investment process shouldn’t burn you out. Constantly checking your portfolio every day is no way to implement a long-term ... Read more
Paying off your mortgage before retirement sounds responsible. Sometimes it is. Sometimes it quietly costs you the best years of your life. In this episode, James walks through the story of a client w...
An interview with Ben Carlson, where we talk about how investors can better think through risk, reward, and the tradeoffs that come with building wealth. We also discuss market fear, portfolio complex...
If your portfolio's on a roll and you're nearing retirement, it may feel like you're all set. But you might be more at risk of a market downturn than you think.
When you're standing at a major financial crossroads, the timing of your decisions can mean the difference between success and failure. Joe Anderson, CFP® and Big Al Clopine, CPA spitball on the "when...
"Mr and Mrs Smith" have nearly $850,000 saved at age 43, but they're very concerned about retirement. "Lucy and Desi" are 58 and 64 with nearly $7 million saved, but they still lie awake wondering if ...
I am 73 years old and have to withdraw the required RMD from my mutual fund IRA which is a fairly substantial amount. Can I hire a Certified Financial Planner to handle my RMD (i.e., Roth IRA, etc.) a...
Most people assume retirement taxes are based on how much they withdraw. The real problem is what the IRS eventually forces them to withdraw. In this episode, James walks through what taxes can actual...
Planning on retirement in a couple years. Long time investor - actively screening and investing into my 50s. Late 50s then switched to more of a Bogle approach, which now accounts for the majority of ...
I am 73 years old and have to withdraw the required RMD from my mutual fund IRA which is a fairly substantial amount. Can I hire a Certified Financial Planner to handle my RMD (i.e., Roth IRA, etc.) a...
We recently asked ChatGPT two questions about using the Actuarial Approach and its Funded Status metric to evaluate a household’s retirement sustainability. ChatGPT had high praise for the Actuarial A...