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Sunday, August 25, 2019

Is $1 Million of Savings Enough?

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According to the 18th Annual Transamerica Retirement Studies Survey , about 64% of respondents indicated that they needed to save less than ...

Recommended Financial Planning Process for Retirees and Near-Term Retirees

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Several of our readers have asked us to briefly summarize the financial planning process that we have been discussing in the past few months...
Tuesday, August 6, 2019

Make Sure Your Retirement Plan Properly Funds Your “Lumpy Expenses”

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While most retirement plans anticipate smooth, constant-dollar spending from year to year throughout retirement, most of us just don’t spend...
Tuesday, July 23, 2019

The Real Problems with Using the 4% Rule to FIRE

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Shortly after our July 9 post encouraging retirees to consider shoring up their floor portfolios by establishing budget buckets of low-risk...
Tuesday, July 9, 2019

Ok Retirees, Now May be a Good Time to Shore Up Your Floor Portfolio

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This post is a brief follow-up to our post of April 23, 2018, Ok Retirees, What’s Your Plan for Dealing with the Upcoming Bear Stock Market?...
Friday, July 5, 2019

Better Budgeting with “Actuarial Budget Buckets”

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In this website we encourage you to use the full functionality of the Actuarial Approach and our workbooks to help you develop a better spen...
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 ...