New Approaches to the 60/40 Strategy

If you’re following the old strategy of investing 60% of your assets in equities and 40% in bonds, you may be exposing yourself to more risk than you thought. It’s time to rethink old ideas, because you deserve more.

Understanding Risk and Return

Investors hear a lot about risk and return, but what does that mean? Let’s break it down with an explanation of some of the common metrics financial experts use to factor risk and return.

Smooth Seas Never Made Skillful Sailors

Times of market volatility demand a careful strategy that’s driven by understanding risk and long-term goals, not by reacting emotionally.

What’s Past Is Prologue: Making Income Last In Retirement

Make your retirement investments last through the next market downturn by understand how they’d do during the last downturn. Learn from history so you don’t repeat past mistakes.

Surfing Tips for Investors

Investors surfing the current stock market wave can manage downside risk to avoid wiping out their retirement savings.

Lessons From A Winner

Richard Thaler’s groundbreaking work in behavioral economics helped him win this year’s Nobel Prize. Find out how Thaler’s principles can help the educated investor make more appropriate financial decisions.

Investing A Lump Sum Without Fear

I’ve mentioned before that the biggest fear for many people in their retirement planning is running out of money before they die. But another big fear, a fear that gives me job security, is the fear of having more than enough money to retire comfortably, and doing the wrong thing with it.   This was […]

Is Understanding Risk Important? You Bet!

Donny from Sandwich came to see me this past week. Donny is a good guy. He is 60 years old and a retired school teacher. He is married and has a sprinkling of grandkids. Donny hopes to have a long and healthy retirement. He has a pension from the school system but that does not […]

Income Planning And Math; Be That Nerd

If you are a regular Cutter Family Finance reader, you have probably noticed that I end every column with the statement “be vigilant and stay alert.” I do believe that is some of the best advice I can give with respect to creating a sound financial system. I teach and preach that same mantra to […]