Here's the Money Round for a mid-winter day. We hope you find these articles interesting and helpful.
For US asset managers, Vanguard fee cuts matter more than tariffs (Morningstar). Vanguard has reduced fees on 87 funds, including funds used in SMI's Just-the-Basics and Bond Upgrading strategies. (See the fund list at Announcing the largest fee cut in Vanguard history)
When safe withdrawal rates collide with RMDs (Christine Benz). Could required minimum distributions force you to deplete your assets too soon?
Tilting the odds in your favor (Jon Petersen, Novel Investor). "Investors, like casino owners, sit back calmly...and confidently, knowing that the house odds are working inexorably in their favor."
ETFs went bananas in 2024 (FactSet Insight). The year that was: 700-plus new fund launches, record-high flows, and the rollout of bitcoin ETFs.
Attention must be paid: The Tax Cuts and Jobs Act is set to expire (Daniel J. Pilla, National Review via archive.today). Here are some of the many tax provisions Congress must revisit this year.
Trump's sovereign wealth fund: What is it and how does it work? (Kiplinger). The U.S. would join a host of other nations with active sovereign wealth funds.
5 top regrets of retirees (and how to avoid them) (Fritz Gilbert, The Retirement Manifesto). Among them: Not saving enough and not prioritizing health.
Do households have a good sense of their long-term-care risks? (Center for Retirement Research). The cost of long-term care in a skilled nursing facility is shockingly high. (Here's a PDF link to the entire study.)
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