Portfolio , TAA Investing

IVY Portfolio Summary: returns, risk, & SWRs

Now that I’ve presented several variations and updates to the IVY portfolios, in this post I update all the relevant portfolio statistics and compare them to some commonly held diversified portfolios. I provide the definitions of the portfolio stats and the various portfolios. I conclude with some brief observations. In the table below, you’ll find the various IVY Portfolios I’ve…

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The 4% rule lives despite what the NY Times says

OK, deep breaths, deep breaths….The drivel the passes for reporting on retirement issues never ceases to amaze me. But this time I found a real howler. The “paper of record”, the venerable NY Times, recently published a piece on the 4% safe withdrawal rule, titled “4% Rule for Retirement Withdrawals Is Golden No More”, that is truly a piece of…

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Portfolio , Retirement

The worst times to retire in history

The safe withdrawal rate (SWR) that I’ve discussed in several posts (here, here, here) is a great tool to use for retirement planning and once in retirement. I’ve presented a range of SWRs from the super conservative 4% that has worked 100% of the time to the slightly more aggressive 5.25% which takes a bit more risk and requires some…

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Dividends , Portfolio

Option selling as an income strategy

I’ve covered one of my alternative investment strategies for retirement portfolios already, in my post on structured products. Today, I’ll introduce the primary strategy I use to generate income from my cash balance – option selling. Cash is an important part of any asset allocation. It allows an investor to take advantage of opportunities in stocks when markets pullback and…

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Bonds may outperform stocks in the next 10 yrs

I figure that after my last post on stock market returns for the next 10 years, I’ll try and do something similar for bonds. After all, these are the two most important assets classes that make up retiree portfolios, often in the much talked about 60%/40% stock, bond allocation. Without taking a crack at this you can’t forecast portfolio returns…

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