“What do you do if the market crashes?” a new client asked me last week. “Good question,” I said. “I get that one a lot.” And it’s one of the reasons I’ve been writing to you, valued reader, on my efficient frontier study. The efficient frontier is a visual expression of my phrase, “It’s not […]
Is Your Retirement Life a Mess? Let’s Talk
“Is your retirement life a mess? Then call 1-800-get-HELP.” No, this is not a commercial promising to change your life. This is about my conversations with you. Let’s take last weekend for example. Your Survival Guy was tired of pulling into my garage and looking at the mess it had become and did something about […]
This Is about Your Survival, Not Anyone Else’s
You don’t want to let the perfect get in the way of the good. Specifically, when it comes to your retirement life, you want to get paid to be in the markets. You don’t want to miss out, hoping to get in at the “right” time. When looking at the current interest rate environment and […]
“Happy I Found Richard C. Young’s Intelligence Report”
“Happy I found Richard C. Young’s Intelligence Report all those years ago,” you told me yesterday. “Because we wouldn’t be talking this morning about investing if I hadn’t. Your father-in-law’s monthly letters kept us on track. He kept us focused on saving and compound interest.” That wasn’t the first time I’d heard that. And what […]
Your Retirement Life: Watching The Masters and More
Happy Monday. I hope you had a nice weekend catching some of The Masters from near and far. I remember like it was yesterday, now 25-plus years ago, how Becky and I, newlyweds, enjoyed having it on while getting dinner ready. Watching it this weekend, it’s hard to believe how fast time goes by. It’s […]
Your Retirement Life: A Living Income from Savings
You want a forward-looking indicator? Look at the stock market or 10-year Treasury bond—both flashing warning signs this week. But how about years from now? What will the decades ahead—your retirement life—look like? What if we’re going back in time? You and I, we’re in the business of patience. With so much attention paid to […]
Get Paid During Your Golden Years
With the 10-year treasury at 4.5%, retired and soon-to-be-retired investors are seeing rates they can sink their teeth into for longer—don’t let inertia keep you down. How high will they go? Not my concern. What I am concerned about is that you get paid during your golden years with some cold, hard cash from interest […]
“If Only I’d Followed Dick Young’s Advice Sooner”
“If only I’d followed Dick Young’s advice sooner,” is a refrain Your Survival Guy hears all the time. If there’s one piece of advice Dick Young would give to every investor, young and old, it would likely be this: You need to beat inertia. You need to make it a great month. In other words, […]
“I Got Five Candy Bars for a Nickel”
Are you in control of Your Retirement Life? In my conversations with you, you tell me you are in control and then some. You tell me you’re looking forward to getting away to places far and wide, from Disney to New Zealand and on cruises in between. Nice. You know Your Survival Guy’s a big […]
Clean Up Your Bond Clutter, Contact Your Survival Guy
You know from recent posts how Your Survival Guy feels about too much power in too few hands. What I’m talking about is when the big three fund companies, BlackRock, State Street, and Vanguard, with their immense size, vote your shares with their politics. There was a time when indexing in stocks made sense. But […]
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