One of the interesting points in the studies was that currency fluctuations provide a good diversification benefit. It certainly seems to be working now.
John, it sounds like you may not have international stock exposure. If so, you may want to have an allocation. A few episodes of the Rational Reminder podcast with Prof. Scott Cederburg have detailed studies done that indicate international stocks are better at managing risk than nominal bonds and therefore recommend a 100% stock allocation even in retirement. Personally I would think TIPS would be good to include.
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But it seems like for every simplification in the tax code we get two added complexities.
Post: Smart Move?
Link to comment from August 10, 2025
Oh boy, I can't wait to move 20% of my 401(k) into Fartcoin!
Post: Hedge funds, venture capital. private equity, etc. in a 401k. BAD IDEA!
Link to comment from August 8, 2025
I remember saving up my mowing money for my first big purchase: a $20 skateboard made of Lexan.
Post: My Money Memories
Link to comment from August 7, 2025
Wife not making an impact?
Post: In retirement a pension is a advantage. Are two family incomes during working years an advantage as well?
Link to comment from August 6, 2025
I found this quite lengthy description of one of the phone numbers that keeps calling my mother.
Post: How do I scam thee? Let me count the ways
Link to comment from August 2, 2025
And you may pay less tax on the liquidation than the interest and dividends.
Post: 100% Base Pay Replacement: What Does It Mean?
Link to comment from July 26, 2025
How about someone who draws from his investment portfolio (and therefore has no need for Social Security income) until age 70.
Post: Help! Why is the total lifetime accumulated Social Security benefit more important than the monthly amount?
Link to comment from July 24, 2025
One of the interesting points in the studies was that currency fluctuations provide a good diversification benefit. It certainly seems to be working now.
Post: Double FOMOitis
Link to comment from July 23, 2025
John, it sounds like you may not have international stock exposure. If so, you may want to have an allocation. A few episodes of the Rational Reminder podcast with Prof. Scott Cederburg have detailed studies done that indicate international stocks are better at managing risk than nominal bonds and therefore recommend a 100% stock allocation even in retirement. Personally I would think TIPS would be good to include.
Post: Double FOMOitis
Link to comment from July 23, 2025
Rick, how did you get that 20.4% marginal rate? See my comment below.
Post: New Bonus Senior Deduction Impact
Link to comment from July 21, 2025