Investor Behavior Impacts Returns

Investor Behavior Impacts Returns

Investor Behavior Impacts Returns Here are some key takeaways from "Investor Behavior Impacts Returns" - Investor behavior (panicking, selling quickly, over-trading, etc.) tend to lead to poor returns, especially from from volatile funds - Frequent trading and...

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Monte Carlo Simulation: What Is It

Monte Carlo Simulation: What Is It

Monte Carlo Simulation Here are some key takeaways: 1. Monte Carlo simulation explained: It's a retirement planning tool that runs thousands of scenarios using inputs like withdrawal needs, investment returns, and inflation rates to assess retirement viability and...

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401k Loans Are Bad?

401k Loans Are Bad?

401k Loans Are Bad? https://www.youtube.com/watch?v=Sv0nIVcWDlk Here are some key takeaways: - Taking 401k loans can significantly impact retirement savings due to missed opportunity costs, potentially reducing the final balance by hundreds of thousands of dollars. -...

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It’s OK to Spend Money in Retirement

It’s OK to Spend Money in Retirement

It's OK to Spend Money in Retirement Here are some key takeaways: - Even wealthy retirees fear outliving their money, struggling to transition to spend money in retirement - It's important to do personalized financial analysis to determine how much "slack" is in your...

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Price Targets for 2025 – Pass!

Price Targets for 2025 – Pass!

Price Targets for 2025 Here are some key takeaways: - The S&P 500 finished 2024 at 5881, up 25%, significantly outperforming analysts' price targets - These price targets are often viewed as not very useful, as they tend to cluster around historical averages -...

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Crystal Ball Challenge

Crystal Ball Challenge

Crystal Ball Challenge Here are some key takeaways: - Even with advance knowledge of news headlines, predicting market movements is extremely difficult. In a study where participants were given Wall Street Journal headlines a day in advance, about half lost money and...

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Sequence of Returns Impact

Sequence of Returns Impact

Sequence of Returns Impact Regarding the sequence of returns, here are some key takeaways: 1. **Sequence of returns matters in retirement planning,** but it's unpredictable and out of our control. The impact of market performance in the early years of retirement can...

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Super Catch Up Contributions

Super Catch Up Contributions

  Super Catch Up Contributions Here are some key takeaways: 1. Super catch up contributions: Starting in 2025, individuals turning 60 can save an additional $11,250 per year over the normal limit in their workplace retirement accounts for ages 60-63. 2. Increased...

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Our Rental Property – Should We Sell?

Our Rental Property – Should We Sell?

Our Rental Property - Should We Sell? Case Study Key Takeaways: - The folks in this case own two homes: their primary residence - The rental property has $125,000 equity and $310,000 value - They make $90,000 gross income per year and live month-to-month with $5,000...

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