Retirement Watch Weekly
Signs You Retired Too Early
Retiring early is the goal for many people, but you can retire too early. Both you and your finances need to be ready for your working years to end. This article lists five signs that you might have retired too early and should consider going back to work. Retirement wasn’t quite what you expected, and […]
A Major Retirement Risk
I’ve mentioned this before, but this new paper makes it worth mentioning again. The biggest risk to your retirement isn’t inflation, low investment returns, geopolitical chaos, and other risks people talk about. For most people, the biggest risk is cognitive decline that leads to less-than-optimal decisions. Everyone’s decisionmaking ability declines with age. I’m not talking […]
All 401(k)s to Become Roths?
Tax reform continues to be discussed behind-the-scenes in Washington. Media reports regularly indicate that one of the changes under discussion is to end upfront tax benefits for 401(k)s and other retirement plans. In effect, all retirement plans would become Roth plans. This article updates the situation and explains how that could affect retirement planning. THe […]
Learning When to Sell Investments
Selling an investment is one of the hardest things investors do. They don’t want to sell losing investments, because they don’t want to give up or admit they’re wrong. Many people often don’t want to sell winning investments, either, for a wide range of reasons. In this article, Ben Hunt explains the importance of selling […]
Athletes Show How to Age Slowly
This article argues that people shouldn’t be focused on increasing “life span” but on increasing “health span.” The health span is the period of time a person lives without the chronic conditions and diseases generally associated with aging. Research with masters, or senior, athletes finds that they age at a slower rate than others. The […]
How to Protect Your IRA from Creditors
How safe is your IRA? Your assets could be at risk… from several directions. There is always the potential for a downturn that reduces cash flow from your job, business, or investments. Creditors could then seek payment from your personal assets. Lawsuits are another risk. Some occupations, such as being a doctor, carry high risks […]
Finding Good News in Slow Growth
Many analysts are misreading the economy because they assume the future will be just like the past. Many analysts say it’s time for a downturn because we’ve had a very long expansion and bull market and the Fed is tightening the money supply. The combination usually leads to a recession and a bear market. Yet, many […]
Tips to Help with Commodities, Gold and Taxes
There are many different vehicles through which to own commodities, including gold, and there are different tax rules for them. Be sure you know the tax consequences of a commodity invest- ment before adding it to your portfolio. There are two basic ways to invest in commodities. (Options contracts are a third potential way, but they are […]
