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
Coins and Cash: Shortages, Hoardings, and Threats
Income Share Agreements - Good For Students or Investors?
Three Approaches to Asset Allocation
Are Banks Safe?
A 15% Guaranteed Return? Lending on the Fringes of Finance
How to Do Financial Planning
Investing Is Not Knowing
Use Caution with Alternative Investments
Ray Dalio and the Changing World Order
Has the Pandemic Changed You?
The Stock Market Is Not the Economy
How to Protect Your Savings
Why Negative Prices Exist and What They Can Teach Us
Federal Reserve Insolvency and Monetizing the National Debt
How Stories Go Viral and Drive Economic Events
Decision Making: Uncertainty versus Risk
Will Infinite Money Save the Economy
How To Survive the Coronavirus (Covid-19) Shutdown
What Are Closed-End Funds and How Do You Invest in Them?
Market Timing Versus Time in the Market
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