It's tempting to not get too worked up about inflation and its impact on your retirement plan. After all, CPI has been running at a fairly benign level of less than 2% for the better part of a decade. And in any case, how could such innocuous little numbers like 2% or 3% make a big difference in the success or failure of your plan?…
Savings vs. Investing – Which is More Important?
Passing along this excellent article by Charlie Bilello. In it, he makes the case as to why focusing on saving is a far more powerful way to secure your financial future than investing. Though both are important to achieving your personal finance goals, for one thing, your personal savings rate is much more under your own control...
A Decade of Low Returns Looms
According to a new report from advisory firm Research Affiliates, the next 10 years will bring low single-digits when it comes to expected real returns (defined as gross return less inflation) in a "typical balanced portfolio." In fact, their analysis projects that the odds of making even 5 percent on traditional investments over that time frame are slim....