Retirement Watch Weekly
Remaining in Your Home for Life
Remaining in their current homes for as long as possible is a priority of most adults over 65. About 80% don’t want to move, according to AARP. There are obstacles to remaining in the same home as the years go on. Fortunately, aging in place is possible for more people than only a few years […]
Naming Trusts as IRA Beneficiaries
Trusts find their way into more and more estate plans, because they provide valuable benefits. Many people want to use trusts with their IRAs. I receive an increasing number of inquiries from readers asking how they can name a trust as beneficiary of their IRAs instead of individual heirs. That’s where they can get into […]
IRS Ignores Its Own Rollover Rules, Wins Court Case
You know that there are two ways to do a tax-free IRA rollover. One way is trustee-to-trustee, in which you never touch the money; one IRA custodian transfers money to another. The other way is the 60-day rollover. You receive money from the IRA and within 60 days deposit that same amount either in the […]
Not-So-Mobile America in Retirement
People like to think of Americans as being very mobile, moving from state to state. There’s a belief that most Americans move after retiring. Most of that isn’t true. About 70% of Americans live in the state where they were born, according to a recent study. Why people move is an issue of some contention. […]
Hoping for a Stock Market Crash
Here’s an interesting exercise demonstrating that you’d be better off if stock indexes were to crash by 66% than if they increase by 200% and then hold that final value. There are a couple of assumptions to consider before hoping that the market will crash. One assumption is that your retirement is 30 years away. […]
Facts and Myths About Momentum Investing
Academic research shows that momentum investing is one factor that can be used to “beat the market” over time. But there’s a lot of misunderstanding and false information being spread about momentum investing, according to one of its “discoverers” Clifford Asness of AQR Capital. In this paper written with several others he reviews the research […]
The Retirement Non-Crisis
You can find many studies and reports talking about the retirement crisis in America. They explain how Americans aren’t saving enough for retirement and don’t seem inclined to. The reports usually are written by or funded by financial services firms, which have an interest in making people worried about retirement. There’s a new report out […]
The Case of Continuing Low Yields
Jeffrey Gundlach of DoubleLine Funds has been an advocate of the idea that interest rates aren’t going to rise any time soon. He’s been saying that for several years, even after the consensus in the investment community seemed to agree that interest rates had to start rising. Proof of the consensus is in the futures […]
