Retirement Watch Weekly
Avoiding Inherited IRA Problems
Inherited IRAs are the focus of some of the saddest stories in estate planning. An IRA owner takes the time to arrange things so that the IRA will pass to the beneficiaries at the lowest tax cost and the heirs can stretch the IRA to last for years. Unfortunately, the heirs fall into one of […]
Staying in the 15% Tax Bracket for Life
Retirees often are blindsided by high tax bills. Retirees are the targets of many of tax increases, though they aren’t explicitly named. Instead, Congress enacts stealth taxes that quietly drain cash from retirees. Fortunately, you can fight back. Retirees have more control over their tax burden and more flexibility than most taxpayers, especially when you […]
The Shrinking Stock Market
Every investor should read this interview. It’s with Marc Andreeson, a well-known private equity or venture capital investor, especially in technology. The interview largely is devoted to explaining why fewer companies are listing their stock on public stock exchanges (going public) and why they are doing so later in their growth cycles than before. It’s […]
Keys to Successful Downsizing in Retirement
Many people downsize at some point during their lives, and the process can be traumatic. In this article (subscription might be required) a geriatric psychiatrist lists what he believes are the three keys to successful downsizing. First, get one or more “navigators” in the form of independent-minded individuals who can help you make key decisions […]
IRAs and Asset Protection
The recent Supreme Court decision limiting the protection of inherited IRAs in bankruptcy may be broader than initially thought. IRAs have been protected in bankruptcy since the law was changed in 2005. But a court ruled that an inherited IRA is not a “retirement account” and isn’t protected under the provision. The Supreme Court recently […]
Choosing a Retirement Community
Continuing Care Retirement Communities (CCRC) are what many people think of as retirement communities. They provide a continuing level of care based on what you need at any time. They have independent living for those who can live on their own; assisted living for those who need some care; and nursing home facilities for those […]
Millenials and the Stock Market
The generation named Millenials appears to have different attitudes toward investing and the stock market than previous generations. This article technically is about “robo-advisors” or computer-assisted investing, but it contains a lot of information about how cautious Millennials are about the stock market and how they don’t trust traditional financial advisors. As a result, they […]
Top Investment Peeves
Cliff Asness of AQR Research and the mutual funds of the same name published an essay on his top 10 peeves, which are all investment and finance related. Actually there are more than 10, because several have multiple peeves within them. His explanations make some good points about investments, finance, and economics. “There is a […]
