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Investing Blog Roundup: How Much Can I Spend in Retirement?

Administrative note: There will be no articles next week, as I will be attending and speaking at the annual Bogleheads event. We’ll resume our regular schedule on 10/23.

Researcher Wade Pfau released a new book this week: How Much Can I Spend in Retirement?

I haven’t read it yet, as I’m waiting for the Kindle edition, which is supposed to be out within the next week. But I have no qualms about recommending it already, because when it comes to the question of retirement spending, there is no person I’d rather hear from than Pfau.*

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*Pfau has been prolific over the last several years, but here are a few of my favorite papers that he has authored/co-authored:

Thanks for reading!

Investing Blog Roundup: Why Use a Health Savings Account?

With a Roth IRA, you pay taxes now (before contributing) in order to avoid paying taxes later. With a traditional IRA, you get to avoid taxes now (via a deduction), but you have to pay tax when money comes out of the account. As Vanguard’s Andy Clarke explains this week, an HSA often provides the best of both worlds: a deduction for contributions now, and tax-free distributions later.

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Thanks for reading!

Investing Blog Roundup: Retirement Spending Strategies and Annuitization

This month we’ve discussed fixed retirement spending strategies as opposed to variable spending strategies, as well as the concept of using RMD tables to calculate retirement spending.

This week, financial planner/actuary Joe Tomlinson shared some of his recent research comparing the efficiency of those same three retirement spending strategies — as well as the impact of annuitizing part of the portfolio. The article is written for advisors, so it’s more technical reading than what you’d normally find here. But it’s directly applicable the things we’ve been discussing here lately.

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Thanks for reading!

Investing Blog Roundup: Equifax Fallout Continues

It’s been two weeks since the announcement of the Equifax data breach, and people are still scrambling to take the appropriate protective actions. Personally, I hope we see some regulatory changes — or at least changes to common security practices in order to account for the fact that our identifying information (i.e., combination of name/DoB/SSN) is no longer a secret.

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Thanks for reading!

Investing Blog Roundup: Equifax Security Breach

The big personal finance news of the last week has been the Equifax security breach, affecting as many as 143 million people. To put that number in perspective, there are approximately 249 million adults in the U.S. In other words, it’s more likely that your data was stolen than not stolen.

Security journalist Brian Krebs has a piece answering the most common questions you might have. Ron Lieber of the New York Times has also been covering the incident in a series of articles.

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Thanks for reading!

Investing Blog Roundup: How Much International Diversification?

This week Morningstar’s John Rekenthaler addresses one of the most common investing questions: what’s the right amount of international diversification? As Rekenthaler explains, the most honest answer isn’t terribly far from “we don’t really know.”

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Thanks for reading!

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