http://www.ipers.org/calcs/AssetAllocator.html

Everything you thought you knew about diversification is wrong. So is everything you thought you knew about portfolio risk. It took the meltdown of September and October 2008 to flesh out the story, but the plot outlines have been in place since the 2000 tech-stock bust. (more…)

Here’s one of Wall Street’s best-kept secrets: If you were investing 30 years ago, your best choice, for the long run, would have been super-safe Treasury bonds. That’s where the money turned out to be. Investors erred in their religious belief that stocks always outperform bonds, over holding periods of 10 years or more. (more…)

If you are like me, you must have seen a lot of AARP advertisements on TV about the insurance plans endorsed by AARP. These include Medicare Gap plans, auto insurance and other types of insurance. Now it is exposed that AARP was just profiting from its members and it has been provided inferior insurance plans to its members

Arthur Laupus joined AARP because he thought the nonprofit senior-citizen-advocacy group would make his retirement years easier. He signed up for an auto insurance policy endorsed by AARP, believing the advertising that said he would save money.
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RUPEE ACCOUNTS

Q. What are the different types of rupee accounts permitted to be maintained by Non Resident Indian?

Ans. Two types of rupee accounts viz. Non resident (external) Rupee Accounts (NRE) and Ordinary Non-Resident Rupee Accounts (NRO) are permitted to be maintained by NRIs. Funds in NRE Account are repatriable.
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Use the table below to match your risk tolerance with what was seen in the 1970’s bear market. Something to keep in mind for the 2008+ period

Here is a table offered by Larry Swedroe based on the 1970s bear market showing the amount of decline for various stock/bond allocations:
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PIMCO Total Return, one of the largest mutual funds available. The fund is big for a reason: It’s perennially a top performer in its class and a popular option for 401(k) plans. The fund has seven different share classes. Only the fee is different.

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My take is that the world is changing.. i don’t mean now that George Bush is leaving the world is changing or that Change Agent Obama is coming.. etc. (more…)

One of the downsides of planning to retire to another country is that you need to be familiar with the tax systems of two different countries. This is especially challenging in the case of US and India, since tax regulations of the two countries are substantially different.

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For those considering retirement to another country, the best immigration option is dual citizenship. The catch, of course, is that not many countries allow this.

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