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
Are More Bank Runs Coming? The Collapse of Silicon Valley Bank
A "Safe" 6% Yield: The Case for Investment Grade CLOs
This Stock Has a 15% Dividend Yield and Has Outperformed Warren Buffett. Should You Invest?
Beware of Survivorship Bias When Investing
Does a 60/40 Balanced Portfolio Still Work? Time to Jettison Non-U.S. Stocks?
How to Make Portfolio and Asset Allocation Changes
Bond Investing Master Class - How to Invest in Fixed Income
Will Generative AI Like ChatGPT Replace Your Job?
Your Nation's National Debt: 5 Things You Need to Know
Listener Q&A
Use Caution With Private REITs Like Blackstone’s BREIT - Is Now a Good Time to Invest in REITs?
What if the World Stopped Shopping?
Where to Invest Your Cash Savings for Higher Yields
Is Emerging and Frontier Markets Investing Still Worth It? - with Asha Mehta
Is Cryptocurrency Dead? Will the FTX Fallout Kill Crypto?
What Is the IMF and Why Is It Controversial?
Is Success Due to Hard Work, Talent, or Luck?
Worry-Free Retirement Investing
Annie Duke on Better Investing and the Danger of Grit
When Volatility Spikes, Financial Things Break - The Case of UK Gilts and Pensions
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