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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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From Tea to Bogle: Finding a Better Way to Invest, a History

If you’re an experienced investor, your portfolio today is unlikely the same as when you started investing. Over time, you’ve probably made efforts to make it work better for your goals. Maybe the financial crisis taught you to be more mindful of risk, or years of high fund […]

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Don’t Worry (too much) About Outliving Your Money

Money is finite while death is permanent. However, people ages 44 to 75 fear outliving their money more than they fear death, according to a 2010 survey by Allianz Life Insurance Co. Out of 3,257 people surveyed, 61% chose running out of money over death as the more […]

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Investing Through Times of Market Uncertainty

Investing Through Times of Market Uncertainty

In 2002, Secretary of Defense Donald Rumsfeld famously said, “…there are known knowns; there are things we know we know. We also know there are known unknowns; that is to say, we know there are some things we do not know. But there are also unknown unknowns – […]

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Differences between Index Funds

From costs to benchmarks, there’s a lot that drives the performance of an index fund. Started in a garage (okay, not really) by John Bogle back in ’76, index funds now make up 27% of all open-end mutual and ETF assets in the U.S. – a figure that […]

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Do Investors Have the ‘Luck of the Irish’?

People like to say everyone is Irish on St. Patrick’s Day. Does that include investors? This time of year, the icons supposedly representing Irish culture are everywhere, from restaurants serving plates of corned beef and pints of Guinness to parade revelers donning the color green and novelty good-luck […]

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The Fairy Tale Beginning to the Market: Hearing Wolves and Waiting for Prices to Be Just Right

In the rich land of investing, it’s difficult to discern between what’s real and what’s fantasy. Hundreds of finance books claim to have the secret to becoming a millionaire. They sound too good to be true, and they undoubtedly are. After all, why are there so many of […]

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Mastering Investment Discipline in 60 Seconds

The human element is a profound factor in investing. Natural tendencies such as fear and overconfidence can cause us to make bad decisions about money. Take a minute to understand how to keep your instincts in check with investment discipline. :60 Turn off the financial news. The media […]

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The Tao of Portfolio Rebalancing

Finding balance in life can be an endless quest. Fortunately, you can find balance in your portfolio whenever you desire it. Rebalancing is a common strategy in investing. A balanced portfolio is one where investment dollars are divided among assets at the original proportions set by the investor. […]

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How RMDs Affect Your Investment Accounts

Required Minimum Distributions (RMDs) are the amounts the federal government mandates you to withdraw annually from your retirement accounts after turning 70 ½ years of age. After years of practicing the virtue of saving, it may now sound strange to be told to withdraw money. So, what gives? […]

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Determining Your Risk Tolerance: Investing for the Destination, Not for the Journey

Long-term investing transpires like a cross-country journey over an unpredictable terrain with several highs and lows. Since the market is always moving and you can’t control its direction, your investment plan should focus on one known feature: your desired destination, or the current financial goal your portfolio is […]

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