How should individuals invest and spend in retirement with interest rates so low, stock valuations high, and inflation uncertain. Why retirement managed payout funds and income replacement funds failed.
Topics covered include:
How managed payout and income replacement funds compare to immediate annuitiesWhy Vanguard and Fidelity changed the objective of their retiree focused income replacement and managed payout fundsHow fixed annuities workHow retirees should combine annuities with multi-asset class portfolios to ensure a successful retirementWhy the 4% retirement spending rule is not appropriate for all investors all of the time.Why inflation is the biggest determinant of how much retirees can spendWhy is there so much controversy over the current and future inflation rateThanks to Mint Mobile and Truebill for sponsoring the episode.
Show Note Links
Vanguard Throws in the Towel on Its Managed Payout Fund by Daren Fonda—Barron's
Generating Retirement Income Isn’t Easy, Even for Vanguard by Reshma Kapadia—Barron's
Today's Best Multi-Year Guaranteed Annuities (MYGAs)—ImmediateAnnuities.com
Opinion: The inventor of the ‘4% rule’ just changed it Brett Arends—MarketWatch
The Price of Tomorrow: Why Deflation is the Key to an Abundant Future by Jeff Booth
Alternate Inflation Charts—John Williams' Shadow Government Statistics
Americans Are Richer Than We Think by By Phil Gramm and John F. Early—The Wall Street Journal
National Debt Masterclass Part Two
National Debt Master Class Part One of Three
Is Small Cap Dead? Why You Shouldn't Abandon Small Cap Stocks
Inflation's Illusion: Debunking the Normalcy of Currency Debasesment
Are Emerging Markets Bonds a Once in a Generation Opportunity?
Investing Fundamentals and What Is Attractive Now
Is the Economy as Bad as People Think?
Unlocking Income: A Comprehensive Guide to Investing in Covered Call ETFs
How the Economy Really Works: Savings, Investing, Consuming and Market Distortions
Which Will Perform Better: Berkshire Hathaway or Utility Stocks?
Lessons from Japan's 34 Years of Stock Market Underperformance
Unraveling the Truth About ETFs: Benefits, Analysis, and the Indexing Bubble Myth
Does Dividend Investing Still Work?
Transforming Financial Regrets into Portfolio Gains: Five Strategies for Navigating Investment Emotions
More Ways to Lock in Higher Yields in Case Interest Rates Fall
How To Lock In Higher Yields In Case Interest Rates Fall
Now Should You Buy Bitcoin? The Investment Case for the New Spot Bitcoin ETFs
How Much Should Your Net Worth Grow Each Year?
Should You Be Invested 100% Stocks Before and During Retirement? A Recent Study Says Yes
Listener Q&A on Investing and Living
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