Author Archives: Grant Gardner

In the “new normal” of lower expected returns, what level of retirement spending can you sustain?

The “Golden Rule” of withdrawing 4 percent of initial retirement wealth, increasing this amount with inflation, and investing in a moderate risk portfolio has long been considered prudent practice in funding retirement spending. Given that Russell and other investment management … Continue reading

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Are “guarantees” really worth the cost?

The pain of significant losses in financial markets can quickly turn an investor’s attention to the topic of risk. A heightened concern with risk causes many investors to seek the comfort of insurance products with a guarantee (guaranteed products), but … Continue reading

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