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Saturday, June 15, 2019

Establishing Dedicated Asset Reserves to Fund Different Types of Retirement Expenses

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In his post of June 12, 2019 entitled “ Segmenting Retirement Expenses Into Core Vs. Adaptive To Create Retirement Buckets ”, Michael Kitces...
Sunday, June 9, 2019

Will Actuaries Miss the Boat Again on Social Security?

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Every year, the Social Security trustees release a new report discussing the financial status of the Social Security system and every year,...
Sunday, May 26, 2019

Forecasting Future Investment Returns

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To help you develop a reasonable annual spending budget, we provide you with Actuarial Budget Calculators (ABCs) that employ default assump...
Friday, April 26, 2019

Yes, Determining How Much You Can Afford to Spend in Retirement is More Difficult than Saving for Retirement

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Last week, Thomas Heath, a business reporter for the Washington Post concluded that, “ Saving for retirement is hard.  Knowing how to spend ...
Friday, April 12, 2019

Crunching the Numbers on Pension Lump Sums—Part II

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This post is a follow-up to our post of February 18, 2015 encouraging individuals who are faced with the decision of electing either a lump...
Wednesday, April 10, 2019

Building Your Floor Portfolio with Extra Low-Risk Investments

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Our last few posts discussed reasons why individuals may wish to consider building a portfolio of relatively low-risk investments to fund th...
Saturday, March 16, 2019

There Are No Guarantees if You Self-Insure Your Retirement—Part 2

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This post is a follow-up to our posts of August 8, 2018 and February 26, 2019 and discusses another way that you can use our Actuarial Bud...
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...