The lead article in the latest Rule Your Retirement newsletter, published yesterday, is entitled "Diversify to Beat the Bear." RYR leader Robert Brokamp, a Certified Financial Planner, examines the grueling bear market from the mid 1960s to 1982 for clues about the effectiveness of diversification during a secular bear market. He asks the question "Did diversification pay off?" and reviews the results of three different asset mixes for three types of investors:
A lump-sum investor
A saver who starts with a lump sum and makes annual contributions during those seventeen years
A retiree who starts with a lump sum and makes 4% inflation-adjusted withdrawals throughout same period
In addition to the lead article, the newsletter's Wealth Defense section is a tutorial on investing in individual bonds rather than bond funds.
The monthly Expert Corner is an interview with Taylor Larimore, co-editor of The Bogleheads' Guide to Retirement Planning on the case for index funds. The Asset Focus section is devoted to bond funds. And Follow the Money offers Amanda Kish's thoughts on investing in commodities of the precious metals variety.
As regular visitors to this website know, I've been a frequent contributor to the Motley Fool Rule Your Retirement subscription service, and I routinely "stroll" the RYR discussion boards as TMFDoug.
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The lead article in the latest Rule Your Retirement newsletter, published yesterday, is entitled "Diversify to Beat the Bear." RYR leader Robert Brokamp, a Certified Financial Planner, examines the grueling bear market from the mid 1960s to 1982 for clues about the effectiveness of diversification during a secular bear market. He asks the question "Did diversification pay off?" and reviews the results of three different asset mixes for three types of investors:
