Neil Gartner

Comments:

• Great article, Philip. Particularly relevant for the younger crowd. I tell my younger clients that, while returns matter, starting early and saving as much as you can has way more impact on future wealth. The investment piece is comparatively easy: set it and forget it with a good low-cost target retirement fund or simple indexed portfolio. Forget trying to find the "next big thing" in investing and focus on how to save more!

  Post: Saved by Compounding

  Link to comment from April 15, 2023

• You can index international developed (no emerging, inc. China) markets exposure inexpensively via Vanguard FTSE Developed Markets ETF (VEA). But you may wish to add a small allocation to emerging markets with Vanguard FTSE Emerging Markets ETF VWO. I split my emerging markets allocation between VWO (w/ China) and EMXC (no China), as I want to limit China exposure but not exclude it entirely.

  Post: Happy Talk

  Link to comment from November 19, 2022

• Love this Buffett quote: "The world does not belong to the pessimist, believe me." Re: emerging markets ex-China, check out EMXC.

  Post: Happy Talk

  Link to comment from November 19, 2022

• Congrats, well done! Question: Did you stay with the 100% stock allocation in retirement? Any plans to change as you move forward?

  Post: Early Start Early End

  Link to comment from September 3, 2022

• Great job, Tanvir! A simple, clear lesson on the wealth-building benefits of capitalism. Although often portrayed otherwise, the bar to wealth-building in this country is remarkably low. The DFA video inspired me to write a blog for my clients on the importance of staying invested during the occasional bouts of market turmoil. Thanks!

  Post: Off the Treadmill

  Link to comment from June 27, 2022

• Another "insurance" option that's often overlooked: A Continuing Care Retirement Community" (CCRC) where you plunk down a lump sum for a guarantee of access to an appropriate level of care for life, even if you run out of money. Not a solution for the less affluent, and it can be a very complex buying decision, but it may be the right one for folks averse to traditional or hybrid insurance.

  Post: Is buying long-term-care insurance a good idea?

  Link to comment from November 21, 2021

• Excellent article, thanks for sharing! I "retired" to an encore career as a "solopreneur" financial planner/advisor and will selectively share this with "retirement red zone" clients without a plan for the non-financial aspects of retirement (the vast majority in my experience). Building a new career from scratch has been a roller coaster ride, very challenging initially, but it was the right move for me. I tell my clients that it has taken them decades to build their current life, so don't expect to serendipitously land in a perfect, care-free retirement life right out of the gate. Be intentional - the sooner you begin to plan, the sooner you'll discover what works for you.

  Post: An F in Retirement

  Link to comment from October 16, 2021