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Saturday, June 30, 2018

One More Advantage of Using the Actuarial Approach—No Sequence of Return Risk

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Sequence of Return Risk (SORR) is a common retirement planning risk discussed by financial advisors, academics and other retirement experts....
Wednesday, June 27, 2018

A Slightly Different Actuarial Perspective on the 2018 Social Security Trustees Report

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Every year, the Social Security trustees release a new report discussing the financial status of the system and every year, the American Ac...
Monday, June 25, 2018

Top Ten Reasons Not to Save Now for Retirement

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With tongue planted firmly in cheek and with apologies to David Lettermen’s top ten lists, this post will discuss the top ten reasons why yo...
Saturday, June 23, 2018

We Have Updated Our Four Actuarial Budget Calculator (ABC) Workbooks

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In our ongoing effort to simplify the present value calculations involved in the Basic Actuarial Equation used to help you develop a reasona...
Tuesday, June 19, 2018

Wake Up Millennials: What the Latest Social Security Trustees Report is Telling You

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On June 5th, the Social Security Trustees released their annual Trustees Report summarizing the financial status of the system.   In the pr...
Saturday, June 9, 2018

Expressing Projected Accumulated Savings as Lifetime Retirement Income—Good News for Defined Contribution Plan Sponsors

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We are pleased to announce the release of a new workbook— The Actuarial Lifetime Retirement Income Estimator (ALRIE) .  Like our other workb...
Wednesday, May 16, 2018

Actuarial Budget Benchmark (ABB)—A Much More Robust Spending Algorithm

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In our post of May 1 , we talked about how the ABB differs from Monte Carlo models, and we sort of promised that we weren’t going to talk ab...
Saturday, May 12, 2018

We Continue to be Baffled by the Two Primary U.S. Actuarial Organizations

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One of the nice things about having your own website is that you don’t have to rely on the kindness of strangers to communicate your ideas. ...
Tuesday, May 1, 2018

The Search for Certainty in the Uncertain World of Personal Retirement Financing

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This post is a follow-up to our last few posts discussing the pros and cons of stochastic modeling vs. the Actuarial Approach (including det...
Monday, April 23, 2018

OK, Retirees, What’s Your Plan for Dealing with the Upcoming Bear Stock Market?

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This post is a follow-up to our previous post in which we defended the Actuarial Approach and our deterministic spreadsheets against those ...