In the mid-1960’s, efforts to modernize the probate system through adoption of the so-called Uniform Probate Code were conceived as joint projects of the American Bar Association and the National Conference of Comissioners on Uniform State Laws. The project attempted to bring some order to a system that was so archaic and complex that few, if any, of the country’s scholars of jurisprudence could find any redeeming…
The American Association of Retired Persons (AARP) comissioned a two-year study conducted by attorneys on probate titled A Report on Probate: Consumer Perspectives and Concerns. The AARP study, published in 1990, is one of the most comprehensive and perceptive analyses of the probate system done to date, and it deserves far more credit and publicity than have been given it.
This study produced some very convincing evidence…
From: www.morningstar.com
Sequence of returns risk
Paul retired in 1990 with $1M in his account that was invested in the S&P 500.
Bill started out the same, but his ending values looked much different since he retired in 2000 and had much different luck than Paul.
While planning for retirement, many focus on the accumulation phase and fail to acknowledge how a negative…
From: CANNEX
This is a study among consumers ages 45-75. It is a corollary to a study of financial professionals focused on retirement planning approaches and the role of annuities. The primary focus of these two studies is to identify how a range of protected retirement solutions fit with approaches to retirement planning, and how often consumers and financial professionals consider or use annuities in…
Before you consider a HELOC, there may be a better choice, exclusively for you. A Home Equity Conversion Mortgage.
For many people, a Home Equity Conversion Mortgage (HECM)…
From: www.morningstar.com
We may be entering a new bull market, but nearly all of 2023′s returns are from the largest stocks, including Apple, Microsoft, and Nvidia.
It may seem like the stock market is having a good year. But take a closer look, and you see that its gains are more highly concentrated than ever before. Just a handful of stocks are responsible for…
From: stern.nyu.edu
From: Allspring
High Yield Muni and BBB Muni spent the majority of the last year toward the bottom of the barrel in terms of performance. As a result, spreads have widened close to historic averages. Did you know that you can generate much more yield going down in credit quality then you can going out in duration? See page 2 from the Allspring Municipal…
From: americancentury.com
In this month’s feature article, we hit on one theme we’ve seen over 2022, which has been the continued outperformance of U.S. stocks vs. international markets. Through a series of charts, we exhibit the value of global diversification, highlight what investors may give up by avoiding international markets, and explain the role of currencies on non-U.S. stock returns.
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