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Do Retirees Take Too Much or Too Little Risk With Their Investments?
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David Blanchett, head of retirement research at Morningstar Investment Management, William Reichenstein, Powers Professor at Baylor University, Guyton at Cornerstone Wealth Advisors in Minneapolis, and Hebeler, former head of Boeing Aerospace (who does dissemination of free sound financial planning at www.analyzenow.com), provide a better understanding of the issues involved in making good retirement planning decisions and the thinking needed to avoid errors.
Aging, Retirement and 401(K)'s in America- 2010-2016
03/30/2010
The situation confronting the baby boom generation as it retires in the U.S. The stock market boom-bust cycles of 2000-2002 and 2006-2008 have hurt the 401(K) retirement accounts of most Americans. High unemployment and the housing crisis with many home owners under water has only worsened the situation. The difficult situation for seniors earning little interest on their savings. The problem of outliving ones savings for seniors with their money invested in bonds in a low interest rate environment. The median savings of Americans of close to $10,000 with only 10% of Americans having saved about $1 million by age 65. Longevity today means Americans are likely to live to age 85.
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An About-Face for the Stock Market’s 5-Year Return
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Good practices for Americans approaching retirement in today's environment
02/19/2011
Vanguard Group says the current median contributions to 401 (K) and savings accounts in 9%, including an employer contribution of 3%. This is too low and Vanguard is recommending a 12-15% annual contribution.
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Wall Street Journal 04/13/2013
Wall Street Journal 09/03/2011
Burton G. Malkiel: You're Paying Too Much for Investment Help
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Why Many Retirees Could Outlive a $1 Million Nest Egg
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Suddenly, Retiree Nest Eggs Look More Fragile
New York Times 06/15/2013
Vanguard Takes Fund Crown From Pimco
Wall Street Journal 11/05/2013
Good practices for 401(K) savings accounts in the U.S.
04/13/2013
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Big 401(k) Mistakes … and How You Can Avoid Them
Wall Street Journal 04/13/2013
10 Scariest Money Mistakes—Don't Be Tricked!
Unknown 04/17/2014
Do Retirees Take Too Much or Too Little Risk With Their Investments?
Wall Street Journal 08/16/2014
Experts in financial planning for retirement on how much to allocate to stocks and how much risk is appropriate
08/16/2014
Experts cite the Vanguard and Fidelity Retirement Funds allocation of 45% to stocks at age 65 following 110 minus the age, and other experts cite research for a 55% allocation. The importance of concepts risk horizon and risk tolerance used together. The need to look at one's own situation carefully and spending needs in retirement. The risks of too little allocation in the near zero interest environment and the risk of very high allocation to stocks is emphasized.
Grouped Articles
Do Retirees Take Too Much or Too Little Risk With Their Investments?
Wall Street Journal 08/16/2014
How to Keep Your Portfolio on Track
Wall Street Journal 01/04/2015
Are Fund Managers Doomed? Making the Case for Passive Investing’s Triumph
WSJ 10/18/2016
The Mental Mistakes We Make With Retirement Spending
WSJ 04/24/2017
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