Recent content by ScottishCanadian

His research is spot on. What he is saying is research and reality often don't match. We had fairly quick recoveries of the floor the last two time we had recessions. I expect we would all sing a different tune if equities stayed close to the bottom for 5 years. Regarding his premiss to reduce...

The worst retirement investing mistake - Sep. 4, 2012 Above link is to a Money.cnn article interviewing William Bernstein in Sep 2012, where he says since 2008 he has amended his thoughts on risk in retirement. In general he states that after you have won the game why keep playing.

Just a thought. Given the age profiles of some, wouldn't it be prudent to lower the risk and equity allocation to ensure success. I can get almost double the inflation returns from a Canadian gov bonds/dividend mix with low to moderate risk. Is the real reason for maintaining higher levels of...

I like to think of the time in timing. The younger the investor the longer the time horizon before funds will be required. A byproduct of investing while one is younger is the ability to lower their risk profile to meet investment goals. A balanced approach should factor how close the individual...

Here is a question directed to those who have been retired for quite a while. Looking back, did you spend to little while in retirement? Do you wish you had spent more funds to capture more out of retirement. For example, travelled more. My own view is I plan to spend to the max of our...

No Uk pension as we moved when I was a kid. ScottishCanadian

Canadian gov bonds for me. But any G7 bonds would work if they are from home country. I like the idea of knowing the conditions you invest in. I mitigate int risk by laddering my bonds in a laddered ETF with duration just over 2 years. Great responses thanks ScottishCanadian

Relating to risk. Not talking about diversification just the specific asset. 2 examples, moving from growth stocks to Bule chip dividend paying stocks. Moving from corporate bonds to government bonds. I would also look at moving assets back to my home country so I could keep an eye on...

Here is my query, How many of you retired folks have reduced your risk in retirement or near retirement once you reach your financial number? If you did what was the result? Does this work in the real world, what is the Psychological benefit? From my perspective, I can see tracking...

JoeWras Thanks for the reply, housing in Edmonton is hyperinflated so 700,000 house is nice but not same as in US right now. Regarding carrying costs, part of the cost for the house was very advanced technical equipment and insulation that keeps costs at least half of an older house. Taxes...

You need to conduct your own tax planning to maximize your net income. I will start you off, regarding a pension amount deduction, RRIF won't work under 65 unless death of spouse. You can claim the pension amount if you have registered pension plan income at any age. There are limited...

Hello, Questions on asset allocation in retirement and accumulation Hi, I have read many posts and would be interested in retiree’s experiences. About myself, I am 50 and my wife is 51. I am retired from the military collecting a current indexed pension of $35,000. I currently work for the...