The Money Blog
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When you’re building wealth, the market’s ups and downs don’t feel like a threat. In fact, downturns can be opportunities. But the moment you retire and start taking income from your portfolio, everything changes. One of the biggest—and most overlooked—threats to your financial future is somethi...
If you’ve checked your portfolio lately and felt uneasy, you’re not alone. Market fluctuations are part of investing, but for retirees, there’s a risk that goes far beyond a temporary drop. It’s called sequence of returns risk, and it’s one of the biggest reasons retirees run out of money. Most...
When oil prices spike, markets drop, and interest rate uncertainty looms, most people feel uneasy. But for retirees, these conditions can be especially dangerous. Why? Because retirement changes the rules. If you’re still working, market downturns are often temporary. You can wait them out. But...
Planning for retirement isn’t just about piling money into “safe” vehicles like cash accounts or annuities. While these options feel secure, they often fail to keep pace with inflation—and fees can eat away at your returns, leaving you vulnerable to long‑term income shortfalls. In this episode of...
Planning for retirement isn’t just about piling money into “safe” vehicles like cash accounts or annuities. While these options feel secure, they often fail to keep pace with inflation—and fees can eat away at your returns, leaving you vulnerable to long‑term income shortfalls. In this episode of...
Most retirees understand market risk—but far fewer grasp the danger of safety risk. That’s the risk of losing purchasing power because your “safe” money isn’t keeping up with inflation. In this week’s podcast episode, financial planner Leibel Sternbach pulls back the curtain on why going all-in o...
You’ve probably heard it before: “Buy the dip!” It’s one of the most popular pieces of advice in the investing world. The idea is simple — when the market drops, it’s the perfect time to buy because you’re getting stocks at a discount. But is this really a smart move for retirees? Or could it act...
On Friday, March 10, Regulators took over Silicon Valley Bank (SVB) and put it in to receivership, putting thousands of companies, and tens of thousands of employee paychecks in to jeopardy. Two days later and over 3,000 miles away the same thing happens with Signature Bank in New York. SVB was ...
2022 was a big year for tax savers. Tax loss harvesting was huge, and sequence risk reared its ugly head. Congress in the last minute, passed a massive piece of legislation that included many updates for retirees. We'll talk more about those next week. For now, let's talk about some last-minute ...
Growing up I was always told that debt was bad. Never get into debt. Don’t pay interest. Don’t pay retail, etc… and for a long time these rules have worked to help millions of Americans achieve financial freedom. Of course, like most things in life, the answer is rarely black and white. Regardle...