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Active Success: Investing Lessons from Odysseus
At the end of the Trojan War, Odysseus sets sail to return to his family, his wealth, and his kingdom on the Greek island of Ithaca. The journey should have taken 10 days. Instead, it took 10 years. Odysseus encounters unexpected challenges on his voyage home. He is captured by a goddess. He battles the […] More
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Will Social Security Properly Include My 2020 Earnings?
Economic Security Planning, Inc. Today’s column addresses questions about when Social Security will recognize recent high income, what happens to benefit checks received in the month a person passes away and how the Windfall Elimination Provision (WEP) can affect benefits. Larry Kotlikoff is a Professor of Economics at Boston University and the founder and president […] More
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Myths of Private Equity Performance: Part IV
“Perhaps what cannot be wholly understood cannot wholly be destroyed.” — Anthony Burgess, Kingdom of the Wicked Three myths about the reliability, predictability, and resilience of private equity (PE) performance play a salient role in drawing investors to the asset class. To prove outperformance, however, PE returns are assessed relative to those of other asset […] More
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A Great Way To Extort Payback From Your Adult Children
Mature woman helping elderly mother with paperwork getty If you have bought into the idea that aging in place in the home you’ve maintained for 30+ years is the best answer to the question of where to live as you age, I can only conclude that you have decided it’s payback time for your children. […] More
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Will My Social Security Retirement Benefits Be Reduced If My Ex Files On My Account?
Economic Security Planning, Inc. Today’s column addresses questions about what happens to a person’s benefit when an ex files on their record, how to file for retirement benefits after taking spousal benefits first and whether it would be a good idea to take early retirement after disability benefits. Larry Kotlikoff is a Professor of Economics […] More
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Gold $3,000? | CFA Institute Enterprising Investor
Gold is the world’s oldest store of value still in widespread use. Yet it is impossible to determine its intrinsic value. Why? Since gold doesn’t generate any income, it has no cash-flow stream to discount. In this respect, it is similar to sovereign debt in developed countries today. And just as gold was used to […] More
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The Most Overlooked Flaw In Your Retirement Plan And How To Fix It
A party store saleswoman shows us a critical flaw in our retirement planning. getty Suzy rings up another customer in a party supply store. Surrounded by bright, bouncing balloons celebrating everything from anniversaries to birthdays, Suzy scans a bag of blue plastic spoons while speaking to a friend. Leaning across the checkout counter between bouquets […] More
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Can My Wife Get Early Social Security Retirement Benefits Then Switch To Spousal?
Economic Security Planning, Inc. Today’s column addresses questions about taking retirement benefits early before switching to spousal benefits at full retirement age, whether or not to notify Social Security about a change in projected income and when widow’s benefits can be started. Larry Kotlikoff is a Professor of Economics at Boston University and the founder […] More
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How Much Do You Need To Retire?
UNDATED FILE PHOTO: Country singer and songwriter Johnny Paycheck (C) holds a teamsters union sign … [+] while joining a group of striking bookbinders in this photo from 1977. (Photo by Getty Images) Getty Images Do you have enough money to tell your boss, as singer Johnny Paycheck would say, “Take this Job and Shove […] More
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The Crazy Stuff We Do With Money—Explained
I’ve got some good news. You’re not crazy. That’s the message of one of my favorite books of 2020, “The Psychology of Money,” written by Morgan Housel and inspired by a popular blog post he wrote in 2018. It’s a compelling read and the book offers many great lessons, but I thought this particular encouragement was worthy […] More
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Stretch Out An IRA With A Lifetime Annuity
A series of strategies for tax-wise investors. Table of Contents. Annuitant getty A Qualified Longevity Annuity Contract is a contract with an insurance company that (a) pays out a fixed monthly amount beginning at an advanced age and (b) is bought inside an IRA. The most you can put into a QLAC is $135,000 or […] More
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What Will Survive The Democratic Congress?
Tax-hungry legislators may go after incomes over $400,000. But they will likely leave in place a rich collection of avoidance devices. Here are ways that investors minimize damage from the IRS. Democrats, narrowly in control of Congress, are equipped to undo parts of the 2017 Trump tax cut and, perhaps, to attack some of the […] More
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