Saving
You can’t retire without savings. These posts show how compound returns produce surprising results.
It's OK to Put Off Retirement Savings Until You're Older - It's Easier Then...
Except it's not. It is actually harder, unless you get lucky.
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How Much Retirement Savings Can Be Accumulated with 30 Years of Saving $1000/month
Historical analysis shows luck plays a huge role
Read ArticleGeneral Investing.
You’ll want to be investing your savings; these posts cover issues to consider.
Average Return - It’s Not What You Think
Compound Annual Growth Rate (CAGR) is the proper way to express investment returns over a period, not (arithmetic) average
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Understanding Sequence of Returns Risk
A critical risk factor that can make or break your retirement portfolio, regardless of average returns
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Your Index Investments Likely aren't as Diversified as You Think
Large cap indices are dominated by a few large stocks. What to know and how to get more diversified.
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U.S.-Based Investors Think the Worst-Case Scenario is the Great Depression or GFC. Other Countries Disagree.
When investment planning for retirement, it is important to consider all possible outcomes. We take a look at Japan in the 1990s to redefine "worst case".
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Defending Your Savings Against Significant Downturns
What happens if the market doesn’t just "dip," but stays down for a decade or more? We explore strategies to safeguard your savings from prolonged stagnation.
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Capital Gains Tax Impacts on Trend Following Strategies
Retirement accounts are generally tax deferred, but if you have taxable accounts you should be aware of the tax implications of increased trading frequency.
Read ArticleRetirement Planning
After your savings and investments produce returns, you’ll start to wonder, “How much money do I need to retire?”.
You first need to understand sequence of returns risk, then you need to understand withdrawal strategies. That and more are covered below.
Understanding Safe Withdrawal Rate
Safe Withdrawal rate (SWR) is the key to answering “Am I (financially) ready to retire?”
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Safe Withdrawal Rate Failure
What happens if your Safe Withdrawal Rate (SWR) is too high? A look at history and some tips for recovery.
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Safe Withdrawal Rate For Shorter Retirements
Not everyone needs a 30 year retirement. How does Safe Withdrawal Rate change for shorter retirements?
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Does Using a Safe Withdrawal Rate Mean I Likely Die With No Money?
No, in fact, you are likely to leave behind substantial assets. Plan for it.
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Variable Withdrawal Rates Enable Increased Retirement Income
But why do they work? Why not just start with a higher withdrawal rate?
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The 4% Rule Is Dead, Here's What's Replaced It
The 4% rule, which we wrote about in our post regarding Safe Withdrawal Rate, was established back in 1994. Since then, many alternatives have been suggested. We review the major alternatives.
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Hope Is Not a Strategy; Retirement Takes Planning
You must have a savings plan, and a withdrawal plan; either can come first. We will show you how to make both plans so you have a clear path to retirement.
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Disclaimer
For Educational Purposes Only: All content on this site, including articles, tools, and simulations, is for informational and educational purposes only. It should not be construed as financial, investment, legal, or tax advice. The information provided is general in nature and not tailored to any individual’s specific circumstances.
Software Development Has Inherent Risks: The software used to perform the analyses may have errors or inaccuracies. When we post updates to any material, errors or inaccuracies that are subsequently fixed may change the results.
No Guarantees & Risk of Loss: The analyses and simulations presented are based on historical data. Past performance is not an indicator or guarantee of future results. All investing involves risk, including the possible loss of principal. Market conditions are subject to change, and the future may not resemble the past.
No Fiduciary Relationship: Your use of this information does not create a fiduciary or professional advisory relationship. We are not acting as your financial advisor.
Consult a Professional: You should always conduct your own research and due diligence. Before making any financial decisions, it is essential to consult with a qualified and licensed financial professional who can assess your individual situation and objectives. We disclaim any liability for actions taken or not taken based on the content of this site.
- Nobody associated with Algorithmic Fire LLC has any credential(s) or affiliation(s) with any licensing or regulatory bodies, including but not limited to: Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA).
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Disclaimer
**For Educational Purposes Only:** All content on this site, including articles, tools, and simulations, is for informational and educational purposes only. It should not be construed as financial, investment, legal, or tax advice. The information provided is general in nature and not tailored to any individual’s specific circumstances.
**Software Development Has Inherent Risks:** The software used to perform the analyses may have errors or inaccuracies. When we post updates to any material, errors or inaccuracies that are subsequently fixed may change the results.
**No Guarantees & Risk of Loss:** The analyses and simulations presented are based on historical data. Past performance is not an indicator or guarantee of future results. All investing involves risk, including the possible loss of principal. Market conditions are subject to change, and the future may not resemble the past.
**No Fiduciary Relationship:** Your use of this information does not create a fiduciary or professional advisory relationship. We are not acting as your financial advisor.
**Consult a Professional:** You should always conduct your own research and due diligence. Before making any financial decisions, it is essential to consult with a qualified and licensed financial professional who can assess your individual situation and objectives. We disclaim any liability for actions taken or not taken based on the content of this site.
* Nobody associated with Algorithmic Fire LLC has any credential(s) or affiliation(s) with any licensing or regulatory bodies, including but not limited to: Securities and Exchange Commission (SEC), Financial Industry Regulatory Authority (FINRA).
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