“Many investors have been saying for years that rates can only go up from here, rates can only go one direction, rates will eventually go up. Will they?” – My Own Advisor, September 2021.My, how things can and do change. In today’s post, I look back at what I wrote in September 2021 to determine if I still feel that way for our portfolio. For years, decades, generations in fact, bonds have made sense for a diversified, balanced portfolio. The main reason is this: bonds can reduce volatility due to their low or negative correlation with stocksThat said, they don’t always make...…“Many investors have been saying for years that rates can only go up from here, rates can only go one direction, rates will eventually go up. Will they?” – My Own Advisor, September 2021.My, how things can and do change. In today’s post, I look back at what I wrote in September 2021 to determine if I still feel that way for our portfolio. For years, decades, generations in fact, bonds have made sense for a diversified, balanced portfolio. The main reason is this: bonds can reduce volatility due to their low or negative correlation with stocksThat said, they don’t always make...WW…

Nice case study Mark. I’m also a fan of part-time work in retirement, especially if it’s in a role that involves movement and being more active compared to being at a desk all day. Unfortunately, a lot of people tend to be burned out at the end of their careers and have a harder time appreciating the non-monetary aspects of work that you mentioned.During my work years ( teacher ) we had a secondary job developing a small farm operation. We lived well and were able to save and invest in our properties as well as build our core dividend portfolio. On retirement the farm assets were sold and...…Nice case study Mark. I’m also a fan of part-time work in retirement, especially if it’s in a role that involves movement and being more active compared to being at a desk all day. Unfortunately, a lot of people tend to be burned out at the end of their careers and have a harder time appreciating the non-monetary aspects of work that you mentioned.During my work years ( teacher ) we had a secondary job developing a small farm operation. We lived well and were able to save and invest in our properties as well as build our core dividend portfolio. On retirement the farm assets were sold and...WW…

I’m not a huge listener to podcasts but I do enjoy them from time to time…A few years back, I listened to a BiggerPockets Podcast with financial independence enthusiast, U.S. financial planner, commentator and educator Michael Kitces as a guest. This podcast delved into the 4% safe withdrawal rate that so many, many, many….DIY investors in the early retirement community rely on and why Michael Kitces ultimately believes the 4% rule actually remains a very good rule of thumb to plan by – to a point. If you don’t have an hour and 22 minutes to listen to this episode (not many people...…I’m not a huge listener to podcasts but I do enjoy them from time to time…A few years back, I listened to a BiggerPockets Podcast with financial independence enthusiast, U.S. financial planner, commentator and educator Michael Kitces as a guest. This podcast delved into the 4% safe withdrawal rate that so many, many, many….DIY investors in the early retirement community rely on and why Michael Kitces ultimately believes the 4% rule actually remains a very good rule of thumb to plan by – to a point. If you don’t have an hour and 22 minutes to listen to this episode (not many people...WW…