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Portfolio Solutions’ 30-Year Market Forecast for Investment Planning (2014 Edition)

Each year, Portfolio Solutions® publishes a 30-year forecast for stock and bond market returns. There are two sets of return expectations in this report. One is the return expectation based on a real return. This is the pre-inflation estimate. The second is a nominal return. It includes an […]

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Adult Children Move Home? It’s a Good Time to Teach Investing

Whether it seems like it or not, as a Baby Boomer your children likely value your opinion…at least about some things. According to GfK  Roper, a market-research agency, Boomers are a leading generation of “Influentials.” The agency defines Influentials as well-informed and trusted opinion leaders that impact how […]

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Answer These Questions Before You Consider Buying an Immediate Annuity

At times, retirement seems like a multiple-choice test with no wrong answers. That’s because the questions depend on individual variables such as your current finances and financial goals. Consider, arguably, the biggest retirement question: How do I avoid outliving my money? One possible answer is an annuity, which […]

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Your Chances with Active Management

Most investors would rather climb Mount Everest than invest their money in actively managed funds. At least that’s what could be deduced from research that shows investors don’t like their chances of beating the market. Meanwhile, the Vanguard  study ‘Building a global core-satellite portfolio’ demonstrates that active funds, […]

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Hidden Fees Everyone Should Understand

“All truths are easy to understand once they are discovered; the point is to discover them.”–Galileo According to 16th-century astronomer Galileo, scientific achievement comes on the heels of discovery. The same could be said about achieving your financial goals. Consider that to become a successful investor you must […]

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The Role REITs Play in Your Portfolio

A properly diversified portfolio should have assets that, like actors in a play, take on leading and supporting roles. Diversification makes for better theater and better investing. Would “Romeo and Juliet” be as memorable if it were only “Romeo”? Likely not. Would you be comfortable with the risk […]

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Consider Time a Good Retirement Investment

A famous business adage is “time is money.” In retirement, it may also be valid to say, “money is time.” After all, retirement is a transition from spending time making money to spending money to make the most of your time. However, as you plan to draw down […]

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Why You Should “Fix” Your Asset Allocation

Investing has the special ability to turn human intuition on its head. What seems like sensible investment decisions often end up costing you in the long run. One of the best examples is asset allocation. Your portfolio’s asset allocation – how you divide money among asset classes – […]

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The Unintended Cost of Dollar-Cost Averaging

Legendary country musician Johnny Cash was known for singing poignant tales with relatable motifs spanning from America’s downtrodden to unrequited love and, conceivably, dollar-cost averaging. In the song “One Piece at a Time,” Cash bellows the story of a man who works on a General Motors assembly line […]

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Prepare to Outrun Inflation in Retirement

When chased by inflation, you can run but you can’t hide. The need to outpace inflation, which diminishes investment returns and buying power, is especially acute for retirement investors. Older Americans endure a higher rate of inflation than their urban counterparts, according to the Bureau of Labor Statistics […]

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Do You Drive Financial Media Bias?

If you want to see who controls media bias, take a look in the mirror. At least, that is the conclusion drawn from research by University of Chicago economics professor Matthew Gentzkow, the 2014 winner of the John Bates Clark Medal. The medal is awarded to an American […]

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