Retirement

It’s Not About the Money

On Lifestyle Diversification in Retirement Photo: Flickr The task was simple. Each team was given an envelope and one specific goal: Start a business and earn as much money as possible within two hours using only the money inside the envelope. The problem? Each envelope only contained $5. It was a Wednesday afternoon and each…

The Cobra Effect

The Law of Unintended Consequences and the Risk of Owning Bonds Photo: Pixabay When the British occupied India under colonial rule in the mid to late nineteenth century, they had a problem — Cobras. These venomous snakes were numerous in India and, unsurprisingly, the British were not fond of them. As a result, the British government set up…

Retiring Off Dividends: What Are the Odds?

A Simulation of Retirement Dividend Income Using Varying Savings Rates and Time Horizons Photo: Pixabay This is a guest contribution by Nick McCullum from Sure Dividend. Sure Dividend uses The 8 Rules of Dividend Investing to systematically identify high-quality dividend stocks suitable for long-term investment. Investing in the stock market has historically been one of the…

The End is Everything

Why Timing of Investment Returns Matters and What To Do About It Photo: Pexels I have previously written about how luck can influence your investment results, and this post will continue that discussion, but with some additional complexity. Not only does luck matter, but, in particular, your returns right before and in the first years of…

The Early Bird Gets the Return

The Real Reason Why Investing Early is Important Photo: Pixabay You have probably heard the phrase before: Start saving early. The logic goes that the earlier you start saving and investing, the more time you will have to compound your money, and the more successful you will be as an investor. I agree with this…

Retirement in America

Optimism in the Face of Insolvency Americans have an unbridled sense of hope for their futures despite economic realities that seem much more grim. An article published by the Atlantic in 2015 (see here) illustrated the optimism of Americans, which is higher than any other developed nation. While I do tend to fall into this…