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Articles from 06/2015

Sighting: Don’t Let Fear Scare You Out of Stocks

The most damaging consequence of the financial crisis wasn’t the temporary 50% decline in stock prices. It was the unrecoverable loss experienced by those investors who sold in panic and have remained in cash for the past
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Optional Inflation Hedges — July 2015 Update

Optional Inflation Hedges (OIH) is an optional add-on strategy. It caters to investors who are concerned about the potential for rising inflation. OIH uses three funds in equal measure, each focused on an industry segment
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Whatever Happened to Gold?

In the early 1970s I came across a small book with a seemingly big message that made a great impact on my impressionable young mind. It was called Fiat Money Inflation in France, and recounted the experience of the French
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How Short-Term Thinking Can Derail Long-Term Success

Keeping a long-term mindset is one of the most difficult challenges investors face. It’s one thing to say you’re a long-term investor with a long-term mentality. You may want that to be true and may even believe it to be
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Personal Portfolio Tracker Update (Data Through May 31)

SMI's Personal Portfolio Tracker has been updated to reflect data current through 5/31/15. Not familiar with this powerful tool? Read on for a brief overview. SMI's most popular web tool has long been the Personal
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If I’d Known I Was Going to Live This Long, I Would Have Taken Better Care of My 401(k)

You might recognize the above title as a takeoff on the more familiar "If I'd known I was going to live this long, I would have taken better care of myself," a sentiment attributed to various individuals ranging from Mark
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What If…

 “Live for today.” “You only go around once.” You’ve heard these phrases. They represent a popular philosophy – in essence, grab for all you can get right now since you don’t know what may happen tomorrow. Similar words
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The Best Time to Prepare for a Storm

Something that’s been on my home maintenance to-do list for a long time is to get a sump pump backup system installed. I spent way too much time on two out-of-town vacations worrying about our basement back home while I
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Rethinking-And Renaming-The 4% Rule

Anyone early in the retirement planning process will quickly come across various generalizations and rules of thumb. But as retirement draws closer, reality requires more specifics. Unfortunately, that more specific
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What Will Matter Most to You in Retirement?

Retirement planning tends to be very number focused. How much money will you need to have accumulated by the time you leave the paid workforce? How much of that will you be able to withdraw each year? Of course, such
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