Is Variable Annuity Tax Deferral Worth Paying For Again? by Michael Kitces at Nerd’s Eye View
The emergence of low cost variable annuities investing in index funds makes variable annuities more attractive than before, but you don’t need variable annuities unless you have very high income. For a married couple, maxing out 2 401k’s, 2 IRAs, quota for I Bonds and EE bonds will take more than $90k in savings. That’s before any age-50 catch-up’s, HSAs, 529 plans, or self-employed profit sharing contributions. At even 30% savings rate, it will require $300k income, above the $250k line tagged as the rich.
Should You Add International Bonds to Your Portfolio? by Mike Piper at Oblivious Investor
Mike says there’s no need to jump in but he’ll accept it because Vanguard will automatically include the new international bond fund in the all-in-one fund he’s investing in.
New international bond fund shows promise by Allan Roth at CBS MoneyWatch
Financial advisor and author Allan Roth is more positive about the new Vanguard international bond fund.
What to Do When the Market Crashes by Mike Piper at Oblivious Investor
You know what I would do, right? Buy more.
Yours, Mine, and Ours: A Couple’s Guide to Money Management by Matthew Amster-Burton at MintLife
Matthew’s Valentine’s Day column about how he and his wife manage their accounts. Do whatever it works. For us, a combined checking account works just fine.
Money Market returns and the power of compounding by Allan Roth at CBS MoneyWatch
It amazes me that Vanguard’s Prime Money Market Fund still has $120 billion in it while paying 0.01%. It has almost as much as Vanguard’s flagship 500 Index Fund. Why would anybody leave money in the money market fund when they can earn 90 times more in Ally Bank savings account with full FDIC insurance?
Bond Bubble And Vanguard Total Bond Fund by Mike at Long-Term Returns
Bubble, may be not, but there are many better choices than the Vanguard Total Bond Fund. Always remember you don’t have to stay in a bond fund to benefit from any rise in interest rates.
Shares deliver the best long term returns, so why invest in bonds? by The Investor at Monevator
Stocks are called shares in the UK. That’s a good question, isn’t it?