In the news – When should you apply for Social Security?

Amy Buttell, a  freelance writer and editor, tackled the complex issue of when to claim Social Security Benefits in an article for Bankrate.com.  I provided background information and am quoted in the article. “Retirement planning is complicated, beginning with the decision about when to begin taking your Social Security benefits. On one hand, if you […]

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In the news – Oregonian annuities article

Brent Hunsberger, the personal finance columnist for The Oregonian, tackled the often complex topic of annuities in his Sunday column.  My take: immediate annuities have a role in retirement income planning.  However, it’s important to understand the embedded costs and  “apples to apples” cash-equivalent yield of a variable annuity with a Guaranteed Lifetime Income Benefit […]

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Standard & Poor’s Indices Versus Active Funds Scorecard, Year End 2008

Over the five year market cycle from 2004 to 2008, the SPIVA scorecard shows that the S&P 500 outperformed 71.9% of actively managed large cap funds. These results are similar to that of the previous five year cycle from 1999 to 2003. The bear market of 2000 to 2002 showed similar outcomes. SPIVA draws its underlying data from University of Chicago’s CRSP Survivor-Bias-Free U.S. Mutual Fund Database.

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