by Ryan Shumaker, The Retirement Team | Jul 1, 2021 | Blog
Think stocks are high and overpriced? We think the real bubble is brewing in bonds. Looking back to the start of the century, interest rates have been in decline. Back then the Aggregate Bond Index was paying over 7%. Today? Just 1%. This means in order for investors...
by Ryan Shumaker, The Retirement Team | Jun 1, 2021 | Blog
Imagine how you would feel if you were on a sinking cruise ship and couldn’t get off because there weren’t any life jackets or backup boats. Now ask yourself, if you were going to potentially face this scenario, when would you want to know about it? If you have money...
by Ryan Shumaker, The Retirement Team | May 18, 2021 | Blog
There’s a reason why we often refer to target date funds as ‘target dated’ funds. These types of investments rely on portfolio construction techniques to decide what to own based on decades old dated data that is not really reflective of the much different globalized...
by Ryan Shumaker, The Retirement Team | Apr 1, 2021 | Blog
Typically when you fail to plan, you are planning to fail. It’s best to have a plan before trouble comes, rather than make emotional decisions on the fly during times of duress as this often leads to the exact wrong decision. Incredibly nearly 1/3 of investors 65+ (a...
by Ryan Shumaker, The Retirement Team | Mar 1, 2021 | Blog
Last month we discussed the SECURE Act and its projected $15.7 billion tax increase on beneficiaries of tax deferred retirement accounts (like 401(k)s, 403(bs), TSPs, IRAs, etc.). The only ones excluded from this new way of distributing retirement accounts are...
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