Tom Cochrane's Blog

There is no Free Lunch for Retirees when it Comes to Investment Risk

Retirees have every reason to be an extremely risk averse bunch.  After all, most of them have an immediate or near-term need to draw income from their assets.  This need for income should result in zero tolerance for investment risk or reduction in value of the assets that are intended to produce the retirement income...

Why Your Retirement Just Became More Expensive

The extreme gyrations in the stock market over the past week create great headlines and quite a bit of trading activity.  Equally if not more important for retirees, however, is the related action in bond markets.

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For Retail Investors Who Want to Sleep at Night

It is the afternoon (markets are closed) of August 9 2011, and millions of retail investors around the world must be asking themselves whether they can continue to stomach the gut-wrenching capital market...

Demography and Deflation

Japan’s experience over the past 20 years provides solid support for those who believe that there is a causal link between demographics and...

GAO Retirement Income Study Bullish on Annuities

At the request of Wisconsin Senator Herb Kohl, the Government Accountability Office (GAO) just released a study that provides an assessment of the current state of the retirement income market in the United States.

For those interested in retirement income, the study is full of interesting data and conclusions.  Some...

Retirement Planning Options

What options are available to a soon-to-be retired household that is financially constrained?  What levers can be pulled if desired retirement spending is not realistic in light of retirement savings?

The financial profile we developed in related articles offers a case study of a financially constrained household.
What options are available to a soon-to-be retired household that is financially constrained?  What levers can be pulled if desired retirement spending is not realistic in light...
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