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Investment portfolios face troubling realities

May 20, 2018

We have all heard the phrase “past performance is no guarantee of future results.” The average 60/40 stock portfolio has performed quite well since 1982, with an average return of about 10.2 percent1, although the average equity mutual fund investor typically earned less than 4 percent2 during that time, but that’s another story. The last…

Elder abuse

May 13, 2018

According to the National Council on Aging, more than 10 percent of adults over the age of 60 are victims of elder abuse. Elder abuse can occur in many forms, from physical and emotional to even financial. Moreover, this figure may be low because many instances of abuse are never reported. At some point in…

Investor sentiment

May 6, 2018

Back in 1999, I recall meeting with clients regarding their financial planning. At the time, most people were enjoying stellar returns in their tech-heavy portfolios and they tended to be unrealistically optimistic. When I would suggest the assumptive rate of 10 percent for future planning purposes, they would typically chastise me for proposing such “conservative”…

Risk-adjusted returns

April 29, 2018

When reviewing your portfolio, it’s important to understand not only historical returns but how much risk was required to get those returns. For instance a 6 percent unsecured loan to a friend probably has much more risk than an investment grade bond yielding 6 percent. Portfolios with low risk are more desirable to portfolios with…

When is the best time to start Social Security income?

April 22, 2018

Everyone who reaches retirement age needs to determine how to maximize their Social Security benefits. For those born between 1943 and 1954, full retirement age is 66. Anyone is free to start as early as age 62 in exchange for receiving about 30 percent less benefits for the rest of their life. Alternatively, you can…

Uncapped index annuities as an alternative to bonds

April 15, 2018

I recently attended a lecture with Roger Ibbotson, an emeritus finance professor from Yale business school, and had the opportunity to speak with him afterward. Ibbotson recently completed extensive historical research on the performance of bonds versus uncapped index annuities. Traditionally, index annuities placed caps or limits on upside performance. Uncapped index annuities do not…

The Stock Market is Eyeing the Upcoming Presidential Election

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