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Tuesday, February 26, 2019

How Much of Your Retirement Assets Should be Allocated to Your “Floor” and “Upside” Portfolios?

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As former pension actuaries, we aren’t going to tell you how you should invest your retirement assets.  Our Actuarial Budget Calculators (AB...
Sunday, February 24, 2019

You Need to be Flexible and Have a Plan to Win the Retirement Game

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We all enter the “Retirement Game” with our pot of assets to invest and spend.   Many of us are just content to finish the game without runn...
Thursday, February 21, 2019

300th Post—We’ve Added a Smoothing Tab to the Actuarial Budget Calculators (ABC’s) for Retirees

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Hard to believe that this is our 300th blogpost.  Almost all of these posts have encouraged our readers to employ the same basic actuarial p...
Tuesday, February 12, 2019

Pension Actuaries to Discuss Solutions to the Lifetime Income Challenge

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We’re excited to see that a panel of pension actuaries will be discussing decumulation of retirement savings at the upcoming 2019 Enrolled A...
Thursday, February 7, 2019

If You Aren’t Separately Budgeting for Non-Recurring Expenses, You Probably Don’t Have a Robust Retirement Spending Budget

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We here at “How Much Can I Afford to Spend” are all about the annual spending budget.  But we don’t tell you: how to invest your assets;  ...
Wednesday, January 16, 2019

Expand Your Spending Categories in 2019 for Better Personal Retirement Budgeting & Planning

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To help you develop a more robust spending budget and facilitate your retirement planning, we encourage you, in this post, to consider alloc...
Monday, December 31, 2018

2018 Year-End Review and 2019 Budget Development - Part II

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As part of our ongoing effort to encourage you to think more like an actuary when it comes to your personal finances, this post will recomme...
Thursday, December 20, 2018

2018 Year-End Review and 2019 Budget Development-Part I

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At the end of every calendar year, we encourage you to take just a little bit of the time that you might otherwise spend watching college fo...
Tuesday, December 4, 2018

Top 10 Reasons Why the Smoothed Actuarial Budget Benchmark is Superior to IRS RMD for Developing Spending Budgets

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Since the name of our website is “How Much Can I Afford to Spend in Retirement,” we frequently receive requests from readers to comment on a...
Tuesday, November 27, 2018

Optimal Equity Allocation?

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Since we are retired actuaries and not financial advisors, we don’t advocate any particular investment strategy in this blog.  For example, ...