Insights
Research for people who hold things for decades
Notes on the decisions that actually move outcomes: how much you save, what you pay, how you are allocated, and when you take the money out.
Sequence-of-returns risk: why the first five years matter most
Two retirees with identical average returns can end up decades apart. The order the returns arrive in explains why.
6 min readRoth or traditional? A decision that turns on one variable
Strip away the complexity and the choice is mostly a bet on your tax rate now versus your tax rate later.
5 min readClaiming Social Security: the eight-percent question
Every year you defer past full retirement age raises the benefit by roughly 8%. That is a guaranteed, inflation-linked return.
5 min readThe research briefing
One email a month. Allocation, taxes and retirement income - no market calls, no trade ideas.