Retirement

The millionaire’s dilemma

What’s the typical income of a U.S. retiree? $40,000? $50,000? Higher, lower?

It’s $31,157 as of 2008.

That’s the median income of households age 65 and older as reported by Pat Purcell of the Congressional Research Service. The median means … Read more

Investing

Advice to graduates

In June 1997, Chicago Tribune writer Mary Schmich penned a now-famous column titled “Advice, like youth, probably just wasted on the young.” In short, the column served as the speech that Ms. Schmich would give if she were asked to … Read more

Economy & markets

Thoughts on the Greek crisis

How can a financial crisis in a small European country have such a large effect on world markets? This is the question I recently received from an investor and a friend.… Read more

Retirement

Annuity—or not?

I recently attended a conference in Washington on the question of retirement income—how baby boomers will generate income from their 401(k) accounts once they retire.… Read more

Investing

Winning the loser’s game

I don’t really follow tennis, but it turns out that an insulting label for tennis players connects to a very important investment idea.… Read more

Investing

Keeping the “bag lady” specter at bay

I’ve never heard this discussed by men, but some women carry the worry that they will end up old and alone, with no money and no home. It’s not generally ever-present, but rears up as reports on foreclosures, unemployment, plant … Read more

Retirement

The new retirement

A new poll from Gallup says that Americans expect to depend more on Social Security when they retire—and less on 401(k)s, IRAs, and part-time work. I don’t believe it for a minute.… Read more

Retirement

When to start spending your retirement savings

For many years, the government has published statistics on Americans’ age and employment. A version of that data is shown in the chart below. My sense is that these figures are the basis for much of the conventional wisdom on … Read more

Taxes

How to make a tax refund really pay off

Do you have a tax refund coming? Some would say it means you over-withheld and should have paid less last year. Others look at it as a non-interest-bearing savings account. I’d look at it as an opportunity to improve your … Read more

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All investing is subject to risk, including possible loss of principal.

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