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Article
20
Jan 07

Where does your money go?

How does your spending compare with other people? It isn't difficult to find out. Just visit the Bureau of Labor Statistics Web site. Then prowl around the figures from the Consumer Expenditure Survey (see links below). I did that and here is what I learned. When we have more income, we spend it. Households...

Posted to Registered Investment Advisor (Weblog)

Article
04
Oct 06

On Newsstands Today! Live Forever and Spend Money

Is there a "How to cash out for Dummies" manual? Q. I'm in my 50s with considerable savings. I'm also pretty good at my sales job. I am like many, however, in that I know how to save but have no idea how to pragmatically prepare for retirement income. Is a $1 million investment portfolio going to send...

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Article
18
Sep 06

How to Reduce Risk in Retirement Withdrawals

Is there a best way to take Required Minimum Distributions from IRA accounts? Q. Have any general views been established concerning exactly how to take Required Minimum Distributions (RMDs)? Suppose, for instance, that you have three or four mutual funds in an IRA. How do you decide which ones to take...

Posted to Registered Investment Advisor (Weblog)

Article
14
Sep 06

Withdrawal strategy can avoid some risks

Minimum distributions may not match the demands of the tax man Question: Have any general views been established concerning exactly how to take required minimum distributions? Suppose, for instance, that you have three or four mutual funds in an IRA. How do you decide which ones to take the distributions...

Posted to Registered Investment Advisor (Weblog)

Article
10
Sep 06

Retirement Income Planning, Advanced Version

If there were a Hero Award in financial planning, William P. Bengen would be a shoo-in for nomination. The southern California Certified Financial Planner does more than financial planning for his clients. He also does original research that is more important to you and me than the vast majority of the...

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Article
12
Jan 06

Less Debt Means More Purchasing Power

Q. Dave Ramsey, author of "Financial Peace," suggests that people should never purchase something on a credit card that they can't pay for when the statement arrives. Suzi Orman has similar ideas. It seems to me that this would be a good thing for individuals, but it would be a disaster for the American...

Posted to Registered Investment Advisor (Weblog)

Article
08
Sep 05

Portfolio Survival vs. Personal Survival

Q. One issue that seems to be neglected is the impact of Required Minimum Distributions (RMDs) on the survival prospects of IRA accounts. This isn't a trivial problem. When you withdraw the RMD you must pay a tax so there is less income. Second, any money not spent may be invested but its earnings are...

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Article
26
Jul 05

The Coffeehouse vs. The Couch Potato

"Which is the better investment: The Couch Potato portfolio or the Coffeehouse portfolio, for someone who is 58 years old and wants to retire at 60 and live, hopefully till 90?" The question comes from a San Antonio reader. The short answer is that the Coffeehouse portfolio probably has an edge over...

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Article
14
Apr 05

Positioning Your Portfolio for Withdrawals

Q. I have a SEP-IRA of $350,000 in 36 different stocks and mutual funds. I'm 62 and would like to start taking some money out in four years. What should I do? ---J.J. by e-mail from Dallas A. Simplify the portfolio, reduce the price volatility of what you hold, and own some fixed income securities that...

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Article
22
Mar 05

Putting the Building Block Portfolios Together

As investors, we're surrounded by an amazing number of choices. There are thousands of mutual funds, dozens of large mutual fund firms, and scads of small boutique fund firms. In spite of this, building a basic portfolio with products from a single firm is a lot harder than you'd think. In the building...

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