income variables

We hear a lot about diversifying across asset classes — owning stocks, bonds, real estate, etc. We also hear a lot about diversifying within asset classes — owning mutual funds of hundreds of stocks rather than owning a few individual stocks. But there’s another, lesser-known form of diversification from which you could benefit: Tax diversification.

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In this Ask the Expert with Larry Swedroe article, Rob observed that none of the alternative investments provided sufficient risk reduction to soften the impact of the current Bear Market. Diversification doesn’t seem to be working. What went wrong? Here’s the question from Randy:

Dear Larry,
I’m reading your book, The Only Guide to Alternative Investments You’ll [...]

A while ago, I met with an insurance sales agent and discussed life insurance coverage for my wife and I. Three months later and I am still looking — I am a little slow making these big financial decisions. Also, I am not rushing because I already have a $560,000 term life insurance policy through [...]

In “Determine Your Retirement Needs In 3 Easy Steps,” I demonstrated a way to estimate retirement savings need. When I discussed this with my wife, she asked, “what if we don’t save enough?” After giving it some thought, here are some ideas on how to retire with less money.

Adjust your lifestyle now — If you [...]

There are a lot of sites that help you determine how much you need to save for retirement to maintain your lifestyle. I have never been comfortable with them because they usually don’t share the logic behind their calculation. So I came up with the following 3 easy steps to calculate my own retirement needs.

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