You see the headline all the time that has something to do with basically these four words: Risk, Outliving, Longevity and Money. The viewpoint that you may outlive your money because of increasing longevity (people are living longer) is based on a faulty assumption! That assumption is built into calculations the profession uses when estimating retirement […]
Is all of your portfolio at risk of loss during a down market? It shouldn’t be if it is properly diversifiedª. Let me explain using ocean waves to represent a portfolio. You see a properly diversified portfolio would mean that ALL of your stocks and ALL of your bonds have simultaneously gone to zero value! […]
“Part 5 of an eight-part series on the lessons to learn from stock market history looks into why complex investment products should generally be avoided. Instead, investors should try to keep things simple, and the simplest way to invest in equities is via index funds.” Part 5 Keep it Simple http://youtu.be/8WVVPgaclH8 Complicated products don’t work […]
“Part 3 of an eight-part series on the lessons to learn from stock market history explains why investors need to stay calm when, inevitably, markets turn volatile.” Part 3 Stay Calm http://youtu.be/oy8XVpFbbdo There is a direct mathematical link between risk and expected return. Investors are always emotional during bad times. Panicking is the wrong thing […]
“From Tulip Fever to the Dotcom Bubble and the Credit Crunch – what have we learned from the famous stock market crashes of the last few hundred years? Watch this space for a brand new eight-part series from sensibleinvesting.tv in which leading finance experts explore what the lessons of the past can teach us about […]
When the markets have done well for a while, or at least not scared the bajebees out of investors, people begin to tend to get greedy and seek returns even more … more of “the good thing” … in other words they may begin to chase fads. However, developing and sticking to your plan is […]
The markets often aren’t what they seem unless you keep your perspective … your long term goal … … not someone else’s goal or fears … not your short term needs for money (those shouldn’t be in the markets to begin with = poor plan for a short term goal) Here’s an entertaining video on […]
You know the shoe will drop someday … the markets will go down. Nobody knows when, but history shows they do. How much? Nobody knows that either. This said, many just wait and panic when there’s a sense the sky’s falling. There’s a better way to cope – and that’s to spend a little bit […]
See how $1 invested in the total U.S. market grew from 1927-2013—as well as what was in the headlines in Time Magazine. As the video shows, short-term news events generally have little long-term effect on the market’s continuing growth. Worth 3:05 of your time during those times when headlines make you nervous. There is no such […]
Below is a great summary about how most people try to invest in anything, let alone gold or commodities. Gold? Yep! Those become popular again when fear is in the air. But is popular the way to go? As soon as you change something, the popularity changes. If not gold, then it’s something else that fearful […]
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About Larry Frank Sr.
As an MBA and CERTIFIED FINANCIAL PLANNER™ practitioner, I help people make sensible plans for a successful retirement. I'm also the author of Wealth Odyssey, a book about financial planning. My retirement planning research is published periodically in the Journal of Financial Planning.
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- Are market returns really the key to your portfolio value? February 27, 2012
- Rebalancing? How does it work? March 4, 2012
- Resources to help with aging issues August 9, 2012
- The Dividend Income Illusion. March 27, 2013
- How do Safe Withdrawal Rates compare to Dynamic Retirement Income? June 20, 2014
- Why you may get different numbers -The Mathematics of Investing. February 22, 2017
- The cost of indexing – and an approach how to reduce those costs February 8, 2017
- Social Security as Longevity Insurance January 25, 2017
- Investor Discipline – What’s that? January 11, 2017
- You don’t need a scanner anymore January 5, 2017