In a recent Morningstar article “Implementing a Bucket System? There Will Need to Be Some Rules“, Christine Benz lays out some of the questions that arise when advisors and clients employ bucket strategies in pursuit of retirement income. The main issues revolve around distribution of income, asset allocation and equity exposure, rebalancing, and portfolio modifications….
Author: Tom O'Connor
Giving Retirees The Permission to Spend
In a recent column entitled “The myth of outliving your retirement savings“, Gail MarksJarvis outlines one of the key issues that arises from the lack of retirement income planning provided to Americans: without guidance, even diligent savers with substantial nest eggs have no idea how to manage their retirement spending. The thought of a household…
Risk Assessment Through the Lens of Rolling Returns
Historical analysis may sometimes be a dicey practice in the context of investments, but it can still be a useful tool for coming to defensible conclusions. Establishing confidence levels in your implementation choices is important when creating a time-segmented retirement income plan that may span 30 years or more. Rolling returns analysis is one way…