Retirement Insights

Indexes 101, Part 3: The Birth and Evolution of Index Investing

By McLean Asset Management

  According to legend, a pharmacist by the name of John Pemberton was looking for a cure for the headache when he first tried blending Coca leaves with Cola nuts. Pemberton couldn’t have known this recipe would eventually reach the heights of fame, even though Coca-Cola® never ended up achieving his original goal. This story…

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4 Ways to Manage Sequence of Returns Risk in Retirement

By McLean Asset Management

Attempting to sustain a fixed living standard using distributions from a portfolio of volatile assets is an inefficient retirement income strategy. This is a unique source of sequence risk. Four general techniques for managing sequence risk in retirement are highlighted in Exhibit 1. Exhibit 1 Approaches for Managing Sequence of Returns Risk in Retirement (1)…

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Review: Investors flock to ‘macro’ hedge funds, but not only the old guard

By McLean Asset Management

Looks like certain hedge funds are back in style now. With the constant conveyor belt of hot new investments, as soon as something starts to lose its luster, there’s always something ready to take its place. This time, at least according to the article, it’s macro hedge funds. Macro hedge funds are basically hedge funds that…

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Review: 11 ways to reduce next year’s tax bill

By McLean Asset Management

Hopefully you’ve been able to close the books on last year’s taxes by now. But that doesn’t mean you should ignore them for another year. Now’s the time to make sure that you are doing everything you can to minimize your taxes in the future. This article has some suggestions on how to make sure…

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What is the Stock Market?

By McLean Asset Management

The stock market is confusing. When you talk about it, people tend to nod their heads sagely and make bland comments, like they do with most things relating to the economy. We know it’s important, and most of us hope it will provide us the retirement we want – but we don’t actually understand it,…

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Indexes 101, Part 2: Why So Many Indexes?

By McLean Asset Management

Remember when the financial media was positively giddy over the fact that the Dow Jones hit 20,000 points earlier this year (and we weren’t so impressed)? In part one of this series, we looked at what exactly the “points” measure in market indexes (not always what you might expect, as it turns out). Today, I…

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Why Does Everyone Experience Such Different Retirement Income Outcomes?

By McLean Asset Management

Individual investors are vulnerable to the sequence of market returns experienced over their investing lifetimes. Individuals who behave in exactly the same way over their careers—saving the same percentage of the same salary for the same number of years—can experience disparate outcomes based solely upon the specific sequence of investment returns that accompanies their career…

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What Does It Mean When People Say the Trump Rally Has Created an ‘Overvalued’ Market?

By McLean Asset Management

The financial markets are interesting things. Their direction is largely determined by emotion, yet everyone pretends they are based on cold, hard numbers. Past market behavior is easily quantified, so people feel like if they just study the numbers enough or use the right models, they’ll be able to figure out what will happen next.…

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Review: 5 Things You Need to Know to Reach Your Financial Goals

By McLean Asset Management

This is one of the best retirement “tips” articles I’ve read in a long time. Retirement is generally pretty straightforward. It’s a lot like losing weight and living a healthier lifestyle. Everyone kind of knows what they need to do to reach their goals, at least in a general way, but very few people actually want…

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