On Retirement Income, Part 7: How Guaranteed is Guaranteed Income?
Guaranteed income from Social Security, pensions, and annuities can be the bedrock of a retirement income plan. But such guarantees are only useful if the guarantors can be trusted!
On Retirement Income, Part 5: Goals-Based Investing Starts with Goals
At Round Table, we practice “true goals-based investing.” Our process starts with understanding our clients’ goals, needs, fears, and broader financial picture.
On Retirement Income, Part 3: From Mindless Inconsistency to Mindless Consistency
As “Bob and Fred’s Excellent Adventure” resumes, they hop in a time machine to try a completely opposite retirement income strategy. Does it wok better?
On Retirement Income, Part 1: A 4% Rule Fable
Twin brothers, same age, same assets, same everything…but one has a “safe withdrawal rate” 34% larger than the other?! Find out how that (could have) happened as Round Table’s latest article kicks off our series on retirement income.
I-Bonds: Get Your “Free Lunch” While It’s Hot!
October is the final month to take advantage of a 9.62% annualized rate for six months by purchasing “Series I Savings Bonds” (or “I-Bonds”) from the U.S. Treasury.
Zoom Out, It’s a Bull. Zoom In, It’s a Bear.
Measured with daily data, the S&P 500 Index (the usual stand-in for “the stock market” in the U.S.) is in its second bear market in just over two years. Measured with monthly data, the S&P 500 is still in a historic bull market that stretches back to 2009.
I-Bonds
I-Bonds are government-guaranteed savings bonds that pay a fixed rate plus the recent inflation rate. From May through October 2022, these bonds pay 9.62% annualized, due to prevailing high inflation.