The Rule of 100, also known as "Your age in bonds" worked well for retirees when bonds paid 5%, 6%, 7%, or 8% which was the norm for sixty years. Retired investors still need to keep their core nest eggs secure and using age as a gauge still works, but not with bonds. The A-Team digs for answers. In The Q & A, former Money Magazine Journalist Jordan Goodman joins Steve and Sinclair to continue the discussion. Steve summarizes the IQ Wealth Strategy in Segment 4.
For the first time in history, a major industrialized nation's 10 year treasury bond has gone to a negative interest rate. Investors in the Swiss 10 year bond now receive a negative coupon rate for 10 years, guaranteed. Meanwhile, Mexico has successfully issued a 100 year bond at 4.2%. Crazy? Yes. Steve reviews overfunded life insurance in segment 3.
A close look at Social Security claiming strategies and calculations in the Getting Smart With Your Money segment. In segment 3,Certified Financial Planning Practitioner® Murray R. Titterington joins the A Team to review IQ Wealth's advanced social security software and several case histories.
The A Team examines the pro's and con's of target date funds, and how they could be at greater risk than ever. Morningstar's Christine Benz's ideas for simplifying bucket strategies are in the crosshairs. Dan Shaffer of Shaffer Asset Management joins us after his interview yesterday on the Neil Cavuto Show, Fox Business.
Christine Benz of Morningstar writes about bucketing in her regular column on the Morningstar website. She is aware that any advisors and journalists have been scrambling for solutions to protecting lifetime income for retirees who are now living longer and living more fully in their 70s and 80s. We look at her recent article in segment 2, and then clear up confusion on annuity lingo in segment 3.
The refinancing of student loans from graduates of top universities in fields like law and medicine is becoming a big business. Find out who the big players are. In the Q & A, Steve points out the folly of marketers using nicknames for annuities that are not recognized by state authorities, and what you really need to know.
Steve and Sinclair discuss a Wall Street Journal article also seen on the Motley Fool on the importance of keeping a strong cash position, especially near market tops. Eventually markets fall, and bargains are everywhere. Cash puts you in position to take advantage. In the Q & A Steve reviews key insights into annuities.
The A-Team explores research by Wall Street Journal columnist Jason Zweig. Mr. Zweig uses calculations provided by Yale Professor Robert Shiller, whose research shows the probable return for the S & P 500 over the next 10 years is only 2.5% annually. Dan Shaffer of Shaffer Asset Management joins Steve and Sinclair for the Q & A, to further analyze.
The A-Team reviews a Wall Street Journal article covering "Zombie" REITs-- large REITs, like Inland, that have gone into a mode of illiquidity and zero dividends, and have fallen in share value by up to fifty percent. Find out what to look for in a good REIT. In the Q & A, financial analyst and fund manager Jim Gentrup, CFA, joins Steve and Sinclair.