Insights & Community
Research notes, planning guides, and market commentary from our advisers — plus a members' forum where readers work through the questions the articles raise.
Two retirees can earn identical average returns and end up in completely different places. The difference is timing — and there are four defenses that actually work.
Selling winners to buy laggards rarely raises returns — and that was never the point. What rebalancing does is keep the portfolio you own resembling the one you chose.
Which account a holding sits in changes its after-tax return without changing your risk at all. Here is the ordering that works, and the three situations that invert it.
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Ask about a strategy, compare notes with other long-term investors, and get answers from our advisers in scheduled office-hours threads. Moderated, no account details, no sales pitches.
Declines of 10% happen in roughly half of all years. They are the price of the returns, not a failure of the plan — but there are five things genuinely worth doing.
A conversion is a bet on one variable: your rate today versus your rate later. For many retirees there is a predictable low-bracket window — and it does not stay open.
One percentage point over 25 years on a $500,000 portfolio is more than half a million dollars. Here is how to count every layer — including the one nobody itemizes.
"Three to six months" averages together situations that have nothing in common. Size the reserve from your own risk, then stage it so it is not all sitting in cash.
If one holding dominates your net worth, the honest question is whether you would buy that much of it today. Six ways to reduce exposure without a single painful decision.
