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  • A Punch List For Those About To Retire

    by
    Doug Carey, CFA
    President
    WealthTrace
    When you're early in your working years, or even not so early, it can be tough to conceptualize how retirement might happen. Let's try to sharpen that focus a bit. Here's a list of things to do if you anticipate retiring five years out or less.
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  • Modeling A Bear Market With A Market Rebound

    by
    Doug Carey, CFA
    President
    WealthTrace
    Recessions are difficult to predict, but it is a good idea to know how a recession might impact your investment portfolio and your retirement plan.
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  • Using A Bucket Strategy In Retirement

    by
    Doug Carey, CFA
    President
    WealthTrace
    There's a generally accepted way of withdrawing from investment accounts in retirement. Sometimes there are reasons to handle those withdrawals differently, such as when using a bucket strategy.
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  • Diversification Can Save A Retirement Portfolio In A Recession

    by
    Doug Carey, CFA
    President
    WealthTrace
    The main reason that treasuries do well when stocks don’t is that the market usually predicts that the Federal Reserve will lower interest rates to fight off a recession or an impending recession. Another reason is what is called “flight to safety”, which means a lot of investors are moving their money out of stocks and into less volatile, much safer treasury bonds.
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  • When It Makes Sense To Withdraw From Retirement Accounts Before It's Required

    by
    Doug Carey, CFA
    President
    WealthTrace
    A general rule of thumb when it comes to taking money out of qualified tax-deferred retirement accounts, such as regular IRAs and 401(k) plans, is this: Postpone withdrawing from them as long as you can. In other words, if you have other sources of retirement income or investment principal you can use, you should almost always use that first.
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