Investing Blog Roundup: Why Delaying Social Security Doesn’t Provide an 8% Return

It’s common to see articles stating that delaying Social Security is a great deal, because it gives you an 8% return per year. Delaying Social Security is indeed a good deal, in a majority of cases. But it doesn’t give anything close to an 8% return — not usually anyway. Why Delaying Social Security Doesn’t … Read moreInvesting Blog Roundup: Why Delaying Social Security Doesn’t Provide an 8% Return

Investing Blog Roundup: Open Social Security (improved WEP/GPO functionality)

The Open Social Security calculator now has some new functionality for people affected by the Windfall Elimination Provision and/or Government Pension Offset. Specifically, it allows you to enter a date on which your pension from non-covered employment will begin (so that the calculator knows not to apply the WEP/GPO until that date), and it allows … Read moreInvesting Blog Roundup: Open Social Security (improved WEP/GPO functionality)

Investing Blog Roundup: Remembering Jack Bogle

As you have likely heard by now, Jack Bogle died this week. There have been an abundance of great articles about him in the last two days — not just about what he achieved professionally (as monumental as those achievements were), but about what he was like as a person. That’s no coincidence. Many of … Read moreInvesting Blog Roundup: Remembering Jack Bogle

Investing Blog Roundup: How Important is Sequence of Returns Risk?

I recently encountered an article from the Early Retirement Now blog, discussing just how much sequence of returns risk matters in retirement. The article isn’t new (May 2017). And it’s pretty math-heavy. But it’s worth a read. One noteworthy finding: over a 30-year retirement, only 31% of the variation in safe withdrawal rates is explained … Read moreInvesting Blog Roundup: How Important is Sequence of Returns Risk?

Investing Blog Roundup: Checking in on Oregon’s Auto-IRA

In July 2017 Oregon began rolling out their OregonSaves program — essentially an auto-enrollment Roth IRA for employees who are not covered by employer-sponsored retirement plans. The plan has a 5% default contribution rate, which by default increases by 1% per year until it reaches 10%. Employees can choose to change that rate or opt … Read moreInvesting Blog Roundup: Checking in on Oregon’s Auto-IRA

Investing Blog Roundup: Sitting In on a Steak Dinner Annuity Pitch

Salespeople of financial products (especially but not exclusively insurance) are known for hosting free meals as a way to attract prospective clients. Ron Lieber of The New York Times recently accompanied his aunt to such a meal and wrote about the experience. If you’ve been curious about accepting such an invitation before, hopefully Lieber’s article … Read moreInvesting Blog Roundup: Sitting In on a Steak Dinner Annuity Pitch

Investing Blog Roundup: Admiral Share Minimum Now Just $3,000

There’s an ongoing battle between Vanguard, Fidelity, and Schwab to win over those of us who prefer low-cost indexed investment products. Vanguard’s latest move in that battle, announced earlier this week, is that they have just reduced the minimum investment for Admiral shares of 38 different index funds from $10,000 to $3,000. They will also … Read moreInvesting Blog Roundup: Admiral Share Minimum Now Just $3,000

Investing Blog Roundup: Affordable Care Act Open Enrollment

It’s Affordable Care Act open enrollment season (through December 15), so here are a few resources that may be helpful. First, a thorough FAQ from the Kaiser Family Foundation about buying insurance through the marketplace. Next, a good overall open enrollment walkthrough from Tara Siegel Bernard. And finally, from Harry Sit, one specific tip that may … Read moreInvesting Blog Roundup: Affordable Care Act Open Enrollment

Investing Blog Roundup: Maybe This Time Is Different

Stock market declines have always been temporary — at least in this country. So when the market is going down, you can generally take some comfort in the near certainty that the market will, at some point, go back up and eventually surpass its prior high. As Christine Benz notes though, maybe this decline is … Read moreInvesting Blog Roundup: Maybe This Time Is Different

Investing Blog Roundup: Types of Employer Stock

The biggest news in the tax world since the last roundup is the New York Times’ Trump tax investigation. Political implications aside, I thought the authors did a commendable job of discussing complex tax topics in such a way as to make them understandable. Other Recommended Reading Easy Early Retirement Portfolio Withdrawals from Harry Sit … Read moreInvesting Blog Roundup: Types of Employer Stock