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
What Investment Strategies Do Best During High Inflation Periods?
Is There a Global Energy Crisis?
Why Some Asset Bubbles Don't Burst
Should You Hedge Your International Stock Exposure From Currency Fluctuations?
Why Most Cities Thrive and What We Can Learn From Them
Should You Invest in a Bitcoin ETF?
Are Timeshares a Scam? How to Buy and Sell a Timeshare Vacation Rental
Will the U.S. Default? Debt Ceilings, Government Shutdowns, and the National Debt
Why Are There So Many Shortages?
Should You Stop Investing in China? - Evergrande, VIEs and other Chinese Risks
Is a Housing Crash Coming?
How, When, and Why Should You Rebalance Your Investment Portfolio?
Which Money Is Crazier: The U.S. Dollar or Bitcoin?
Now Is the Best Time Ever to Be an Individual Investor
The Pros and Cons of Infinite Banking and Whole Life Insurance
Is This the Key to Wealth, Freedom and Happiness?
How to Profit From Carbon Investing While Combatting Climate Change
How to Invest in Startups on Equity Crowdfunding Platforms
Forward and Reverse Mortgages: When To Take Them Out and When to Pay Them Off
Listener Q&A: Individual stocks, housing bubble, crypto, retirement and more
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