A tontine is a pooled investment structure where a group of participants contributes money into a common fund. The fund then pays out income to its members, typically for life. As participants pass away, their share is redistributed among the surviving members, so the income for those who remain gradually rises. At its core, a […] The post Tontines: An Old Idea Revisited for Modern Retirement Challenges appeared first on Retirement Researcher.| Retirement Researcher
Retirement income is only as strong as what it can buy. Over time, prices rise for groceries, travel, and healthcare, making it harder to sustain your spending budget over the long term. Maintaining purchasing power is what preserves your lifestyle and standard of living. This is why retirees consider tools and strategies that keep pace […] The post Protecting Purchasing Power in Retirement appeared first on Retirement Researcher.| Retirement Researcher
One of the most significant risks retirees face is the sequence of returns risk, which is the danger that poor investment returns early in retirement will have a disproportionate impact on long-term financial security. This is because you are selling holdings at a loss to create income, reducing the value of your assets for future […] The post Building a Safety Net for Retirement Income with Buffer Assets appeared first on Retirement Researcher.| Retirement Researcher
It is easy to get caught up thinking about the benefits of retirement, like no more morning commutes, more time with loved ones, travel, hobbies, and freedom. But from a financial perspective, the first few years of retirement are some of the most critical. While much attention focuses on accumulating sufficient assets for retirement, the […] The post The Fragile Decade: Why the First Years of Retirement Matter Most appeared first on Retirement Researcher.| Retirement Researcher
Retirement planning tools are incredibly helpful, until they’re not. Various tools can offer insight into your financial future, but none of them tells the whole story on their own. To make informed retirement decisions, you need more than just a number or a percentage. You need to understand how these tools work, what they assume, […] The post What Retirement Planning Tools Get Right and What They Miss appeared first on Retirement Researcher.| Retirement Researcher
In many relationships, one person naturally takes the lead on managing the finances, paying bills, tracking investments, and coordinating with the advisor, while the other is happy to stay on the sidelines. The other partner may not be disinterested, but they’re not exactly drawn to spreadsheets or financial planning conversations either. And for the most […] The post How to Talk About Money When Only One of You Wants To appeared first on Retirement Researcher.| Retirement Researcher
Discover smart portfolio management tips for young investors to help shape a solid financial future through strategic planning and smart investment habits.| UK Startup Blog
Looking for the best budgeting apps for couples? Learn the features, pros, cons, and costs of the top couple budgeting apps and manage your funds like a pro!| Next Mashup
In this episode, Emily explains how to live on time with your finances. Living on time means maintaining financial margin in your life to be able to absorb unexpected occurrences in your income or spending. When you’re behind in your finances, your income is going out the door right after you receive it, you have […]| Personal Finance for PhDs
In this episode, Emily presents five suggestions for reducing financial anxiety that you could use alongside your general anxiety management strategies. These five suggestions are designed to be used by graduate students, postdocs, and PhDs who are in objectively stressful financial situations. They include choosing just one financial goal, taking a small step, creating a […]| Personal Finance for PhDs
If you’re running a small or medium-sized business there will inevitably come a time when you’ll have to adapt to some new circumstances. No matter how large or small a business operation you’re running, if you want to guide your team through change successfully, the easiest “metric” you can watch out for is your employee […]| Quantum Zeno
Discover how to make a million dollars with tips from successful entrepreneurs. Learn their secrets to wealth!| Thousandaire
Last year was the 5th year I set goals and resolutions at the beginning of the year and provided quarterly updates here on this blog. Out of the 13 goals and| Tawcan