60 Second Blog: The Benefit of Delaying Social Security Can Be Huge
This chart produced with SSAnalyzer software compares 2 social security claiming strategies for a married couple ages 62 and 63, who have decided to retire and who have $1,000,000 saved and who need $65,000/year, before taxes, for their retirement living […]
Read More60 Second Lesson: Commit This One Sentence To Memory!
This picture is from page 86 of Peter L. Bernstein’s wonderful “Capital Ideas: The Improbable Origins of Modern Wall Street. The next sentence on page 87 reads: “If the market itself is the super-efficient portfolio, no one can beat it without […]
Read More60 Second Lesson: The Power of Compounding
This blog is courtesy of the WSJ and Matthew Papazian, founding partner of Cardan Capital Partners LLC in Denver. “The bars in the chart show the amount of money someone who starts saving at various ages would have to set […]
Read More60 Second Lesson: Too Many Investors Sell Low & Buy High.
I have kept this graphic around for years. It is a great example of poor investor behavior. It shows 3 things: The first thing is returns of the US stock market (represented by the S&P 500). The US market is […]
Read More60 Second Lesson: The Silent Risk of Inflation
This little picture tells a big story. It shows that if you are living on $50,000 at age 22, you will need $200,000 at age 70 to maintain that same lifestyle. Or. If you are used to a $100,000/year lifestyle […]
Read More60 Second Lesson: The Paradoxical Math of Index Funds
This chart summarizes the annual Standard and Poors Index Versus Active (SPIVA) study: https://us.spindices.com/search/?ContentType=SPIVA This highlights the paradoxical math of indexing: Average annual returns result in long term outperformance. When confronted with a decision on which mutual fund to choose in […]
Read More60 Second Lesson in Finance: Read, Learn, Grow
Lesson: stocks will move up and down wildly in the short term, but over longer holding periods stocks historically have had 2x the return with half the long term volatility as bonds. The picture to the left is a chart […]
Read MoreWhat Angelucci Wealth Management Can Do For You
I often tell clients: I can’t predict what the markets will do next year, let alone tomorrow. I can’t predict whether any individual stock is a good or bad investment. I can’t predict future tax rates. I cant’t predict what […]
Read MoreOne Of The Things Angelucci Wealth Management Does For You!
I manage your “Behavior Gap” so that you earn INVESTMENT returns and not INVESTOR returns. Managing your “Behavior Gap” is critical because investors severely underperform the actual returns of the stock and bond markets. This is evidenced by the data from […]
Read MoreCollege Foundations Can’t Beat a 60/40 Index Mix, What Makes You Think You Can?
Are you a smarter investor than those managing college endowment funds? . Below is a copy of a post from Ben Carlson’s blog page: “A Wealth of Common Sense” which summarizes the performance of college endowment performance vs a 3 […]
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