Dec 13 2019

The growing gap in retirement savings: Half of American families have zero in retirement savings and most are worse off than they were in 2007.

While we have been on a strong bull market run since 2009, half of American families have nothing financially to show for it.  The gap between the retirement ‘haves’ and ‘have-nots’ has grown since the recession ended.  It is telling that half of American families have no retirement savings and many are going to rely […]

Jun 30 2017

The new retirement model revolves around dying broke and realizing that the 401k model of investing is a sham for most Americans.

The new retirement model means working until you die.  Most Americans are broke and living paycheck to paycheck.  Yet the stock market is near a modern day peak.  What is going on?  Wasn’t the 401k experiment that launched in the early 1980s to replace pensions supposed to be a panacea in terms of building out […]

Apr 2 2017

Baby boom or bust: Retirement withdrawals now exceed contributions. Since 2008 US public debt up by $10 trillion, nearly the same as the Russell 3000 Index.

You knew it was only a matter of time before baby boomers started taking out their money from retirement accounts in mass.  If you think boomers were rebalancing every year carefully, think again.  We have now crossed an interesting threshold where retirement withdrawals exceed contributions.  Part of this has to do with a younger and […]

Dec 26 2016

The near extinct pension – US pensions aggressively invest in equities relative to other countries to make up for shortfalls.

The pension is nearly extinct.  Overly optimistic returns left many pension plans practically insolvent and not ready to adapt to a low yield environment.  The benefit of pensions however is that it forced people to save over time for retirement.  What we have learned via the 401k is that when left to their own devices, […]

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