Posts Tagged ‘risk’
Variable Annuities Insure Beneficiaries Against Loss Due to Market Risk
This is the second in a series of articles that I am writing on variable annuities. Readers are urged to read the first installment before tackling the one that follows. My initial article about variable annuities stressed: Financial advisers have strong incentives to sell variable annuities as they pay more in commissions than most other…Read More
Anticipating Mitigates Against Being in the Moment
I haven’t exactly ignored what my son, Greg Hohn, has been doing in his theatrical and academic work over the past several years. I have been to several performances of Transactors, and I accepted an invitation to sit in on two of his classes, but I never expected that the work he was doing would…Read More
Writers Group Success Depends Upon Attention to Organizational Priorities.
I decided to try it again. Join a Writers Group. I have participated in four different writers’ groups over the past several years. Only one was a positive experience. While I am willing to allow that the negative outcomes may have had a little (or even a great deal) to do with my own dynamics,…Read More
When a Million Is Not Enough — Part II ( Margin is not the Answer)
Everyone saw it coming except my client. Big Dan pulled up stakes and left. My client had backed him until her million dollar nest egg was severely depleted and her own well being in jeopardy. The margin loan (See Part I) was not being repaid. It was on the books at a rate of 8.50%.…Read More
Stepparent Seen by Adult Children as Parent’s New Partner But Not as a Stepparent.
#stepparent #blendedfamily #stepchild A reader from New York asked if I planned on commenting about the role of a stepparent when the stepchildren have left the home and are established as adults on their own. Great question! Great suggestion! There is not a whole lot of actual parenting to be done once children have moved…Read More
Greg Hohn: Satisfaction with Effort Eliminates Regret
Earlier this month, I posted on my facebook page something that had occurred to me as I was wading through some of my own regrets about things that I had done or failed to do during my lifetime. My post read, “We deepen regret by imagining what we missed or failed to do turned out…Read More
Variable Annuities — Great, But Be Careful
If you have researched variable annuities on your own, you know that I couldn’t cover everything in one blog on the subject. Variable annuities have their drawbacks. It is important to be aware of them. A variable annuity is a long-term investment, one that you will want to hold your entire lifetime. It’s the place…Read More
Vairable Annuities — A Great Way to Protect a Retirement Portfolio
Thanks for all the questions about annuities. Yes, annuities are a valuable way to protect your retirement portfolio and secure an income for your survivors. But there are several things to be considered before buying one. There are two kinds of annuities; fixed and variable. Fixed annuities guarantee income to the owner and often the…Read More
401k or 403b, Rollover to an IRA or IRRA. Good Idea?
#401(k) #403(b) #rollover #ira One of the first questions that you will face as a new retiree or after changing jobs is what to do with your 401k or 403b* retirement account that has been building up over the years. Leaving it with your former employer is usually one option, and it may appear attractive…Read More
Stressed Out Over the Market? Get a Measure of Your Tolerance for Risk.
NOTE: Risk tolerance is key to the design of any retirement plan. In earlier postings, readers were asked to complete the Flexible Retirement Planner (FRP) to find out how well their funds would hold up over their life expectancy, especially in supplementing their retirement incomes. Reading previous postings is important to understanding this article. Putting…Read More