Articles

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Letters to a Young Investor: Lesson 5 – Diversification
A crucial part of diversification is understanding the trade-off between risk and reward.
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Past Articles
Retirement risk concerns out of order
By Joel Dresang It turns out we generally misplace priorities when assessing what to expect in retirement. […]
Rust in retirement can affect finances
By Joel Dresang When we retire, we leave behind more than a job, more than a desk chair indelibly contoured to our proportions, more than a cadre of 9-to-5 companions. It turns out many of us leave a bit of our minds. “Retiring is associated with increased risk of cognitive decline,” says a report from the American Psychological Association. […]
How part of portfolio can act as pension
By Joel Dresang I am part of a vanishing class of workers with so-called defined-benefit plans—company-funded accounts guaranteeing set monthly payments in retirement. There used to be more of us. My pension is from a former employer. In my age group, 1 in 10 households has a pension. That’s down from more than 6 in 10 in my father’s cohort. […]

Knowing when to tap Social Security
Social Security benefits play a bigger role in retirement timing than most people realize.
Retirement spending: Safe rates
In a Money Talk Video, Art Rothschild explains when retirees can consider varying the withdrawal rate for their investments.
Retirement spending with heirs in mind
Dave Sandstrom explains how strategies for tapping retirement accounts can vary when investors expect to leave money behind.
