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You are here: Home / Archives for Miscellaneous / Retirement Planning

Preparing For Retirement In A Slower Economy

September 17, 2013 By Lowell Herr

Historically, the U.S. Stock Market has returned about 4% to 6% annually in excess of inflation.  Is this likely to continue?  Real earnings come from dividends, dividend growth, and P/E expansion.  Projecting future returns to match the historical level, which included one of the longest bull markets from August of 1982 through March of 2000 […]

Filed Under: Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #1

October 25, 2013 By Lowell Herr

Mistake number one in my book is failure to save or to not follow The Golden Rule of Investing.  Open up a spreadsheet and run your own calculations for the following classic comparison. As a nineteen year old you have the foresight and financial opportunity to save $2,000 per year for eight years.  After saving […]

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #2

October 26, 2013 By Lowell Herr

Prospective investors carry too much credit card debt.  This mistake is a corollary of Mistake #1.  Stay out of credit card (CC) debt.  Mistake #2 is not so much an investor mistake, but rather a mistake of bad management as it has nothing to do with managing a portfolio.  If one ever aspires to be […]

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #3

October 28, 2013 By Lowell Herr

Many investors are too conservative at an early age.  In other words, they are “stock market shy.”  Don’t load up your portfolio with bonds when you are in your twenties and you have forty years to save. Let me illustrate this mistake with a real example. Husband and wife saved identical amounts during their working […]

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #4

October 29, 2013 By Lowell Herr

Investors lack knowledge about the importance of asset allocation.  Investors do not educate themselves as to the importance of asset allocation, and what asset classes tend to perform better than others over the long-run. I need not go into the importance of overcoming this mistake as I have written extensively about this possible mistake. Just […]

Filed Under: Beginning Investors, Critical Material, Retirement Planning Tagged With: Critical Material, Retirement Planning

Retirement Planning Mistake #5

October 30, 2013 By Lowell Herr

Investors pick individual stocks to build portfolios rather than use index funds.  Our preference is to use commission free ETFs. Next to not following “The Golden Rule of Investing,” the error of not using index funds is likely the biggest mistake investors make.  Remember – The Market is smarter than you are.  While there are […]

Filed Under: Beginning Investors, Critical Material, Passive vs. Active, Retirement Planning Tagged With: Critical Material, Retirement Planning

Retirement Planning Mistake #6

October 31, 2013 By Lowell Herr

 It is a mistake to think your portfolio is properly diversified simply because you have chosen stocks or index funds across differing sectors. That’s not enough.  Investing across all sectors will not coverall asset classes, but investing across all asset classes will cover all sectors.  There is a big international world out there.  Don’t neglect […]

Filed Under: Retirement Planning Tagged With: Retirement Planning

Retirement Planning Mistake #7

November 1, 2013 By Lowell Herr

Lack of Portfolio Plan Do you have a portfolio plan and is it written down?  If you can lay your hands on a plan, you are a rare investor.  What is involved in specifying a Strategic Asset Allocation plan? A portfolio plan will first of all identify all the asset classes that are to be […]

Filed Under: Retirement Planning Tagged With: Retirement Planning

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