Australian actuaries have developed a rule-of-thumb calculation for how much retirees can spend. This podcast (5:06) discusses this intriguing formula, but assumes it wouldn’t work in the U.S. context. Nevertheless, the obsession with formulas for how much to spend, which depend on unique variables, remind us of the one constant in retirement planning everywhere, which is that the surplus one spends in retirement stems from the restraint shown pre-retirement.
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A portfolio should be tailored to the investor’s individual needs. That’s why people hire advisors, for a more objective view of their finances. This podcast (5:08) argues that advisors should build customized, resilient portfolios on the basis of broad asset classes, adding new items when they serve the client’s investment policy, restore balance and tilt the portfolio in a manner suited to client preferences.
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A quick-and-dirty approach to guesstimating one’s retirement income would be the formula landlords use to qualify a potential tenant, which is gross income three times the rent they are seeking. This podcast (5:46) suggests this yardstick may work because people’s standard of living is related to where they live and the lifestyle of those in their milieu. With this conversation starter, the next steps are to determine a path to reach that goal via saving and investing or by paring that standard of living.
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My top ETF choice for 2020 is the iShares MSCI Israel ETF (EIS). This podcast (7:37) explains my search for an investment that offers appreciation potential, and yet which is also defensible against the ill winds that can bring stock prices down precipitously.
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The Secure Act does two innovative things: It facilitates the offering of annuities in corporate retirement plans, and it requires retirement plans to project monthly income streams from savings. This podcast (4:52) suggests that if investors can see how much, or how little, their savings translate into income, they may save more. For those who don’t save more, the annuity will at least distribute what they have over their lifetime. 
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Wealthfront’s latest article on Seeking Alpha offers reasons to be skeptical about investment real estate. This podcast (5:54) offers a range of pros and cons about real estate for the benefit of advisors who must strive to serve as an objective source of information about every avenue of capital deployment.
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Generation Z, now graduating college, want to get ahead in life, and should learn now to steer clear from shallow media investment advice. This podcast (5:36) suggests that whether to prioritize a home or retirement depends on certain variables, but what is invariable for young people is the effective deployment of their human capital.
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The Washington Post discusses two new scientific studies published this month in the journal Nature, which together signal the risk of a global food crisis. This podcast (4:39) argues that the possibility of a food crisis should remind us of the value of hedging a portfolio with commodities investments, which rarely fall when stocks are falling.
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Retirement consultant Marcia Mantell is the author of the new book, “What’s the deal with Social Security for Women?” In this podcast (18:57), Mantell reviews some key Social Security claiming issues pertinent to widows, divorcees, married and single women.
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Neuroeconomics explains how the brain physiologically responds to stimuli and sometimes trips us up, based on the uneasy coexistence between primitive and advanced neural systems. This podcast (5:06) suggests we employ such insights to map our emotions rather than trip over them.
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