Briefly Noted Articles

Which Is Better: 4% Withdrawals or Annuities?

July 2016
TIAA Institute compared systematic withdrawals against annuitizing in retirement. Read more »

Not All Flights to Quality Are the Same

July 2016
A flight to quality is a change in market dynamic where there is a shift in allocation from risky assets to safer assets. A new study examined the factors that affect flight-to-quality episodes. Read more »

Suggestions for Not Outliving Your Savings

July 2016
Money Magazine published a list of five ways retirees and those who are still working can reduce the odds of outliving their savings. Read more »

Index Funds Influence Activist Investors

July 2016
The presence of large passive shareholders, meaning sponsors of index funds, influences not only the actions of activist shareholders, but also what changes they are successful in pushing for. Read more »

Work Longer to Live Longer

June 2016
Researchers who looked at the impact that retirement age had on longevity found that early retirement may be a risk factor for mortality. Read more »

The Spending Patterns of Older Adults

June 2016
Spending patterns do not significantly change for many categories until person reaches age 75. After 75, spending drops significantly. Read more »

It Can Make Sense to Have Several IRAs

June 2016
While it is a good rule of thumb to keep the investing process relatively simple, in certain cases adding some complexity can actually work to an investor’s advantage. Individual retirement accounts are one such example. Read more »

Growth in Corporate Cash Balances Isn’t Negative

June 2016
The cumulative cash balance of non-financial companies in the S&P 500 index totaled an estimated $2.1 billion as of October 31, 2015. There is not a single reason for the large cash balances; rather, there are many different reasons, some of which contradict commonly held beliefs. Read more »

A Telephone Call Is Not Enough to Change a Beneficiary Designation

May 2016
Merely calling to request a change in the beneficiary may not be enough to effectuate it. Rather, there must be compelling evidence proving a change was desired. Read more »

The First Five Things to Do at Retirement

May 2016
The American Grandparents Association asked 15 certified financial planners (CFPs) what five things should be done when a person retires. Read more »

Short Selling Found to Lead to Higher Returns

May 2016
Three researchers found that short interest (the percentage of shares sold short) is a better indicator of future returns than than many other financial metrics. Read more »

Delaying Planned Retirement Leads to Healthy Behaviors

May 2016
An analysis of middle-aged Italian men showed that even a one-year postponement of the planned retirement age increases the likelihood of exercising regularly as well as refraining from smoking and drinking regularly. Read more »

Eight Ways Women Can Take Charge of Their Retirement

April 2016
A survey conducted by the Transamerica Center for Retirement Studies found women tend to lag behind men in terms of saving and planning for retirement and offered eight suggestions for how women can take charge of their retirement plans. Read more »

New Proposed Reporting Rules for Estates

April 2016
The Internal Revenue Service issued proposed and temporary rules for the reporting of estate assets that require consistency between the recipient’s basis in certain property acquired from the decedent and the value determined for federal estate tax purposes. Read more »

Advisers With Records of Misconduct Often Rehired

April 2016
Close to half (44%) of advisers who left their job following a misconduct disclosure were able to find employment within the same year. And financial advisers who engaged in misconduct were five times as likely to do so again as the average adviser. Read more »

The Independence of the Board Chairman Affects CEO Pay

April 2016
A strong link exists between CEO pay and how independent the chair of the board is: Compensation for the chief executive officer is highest when an “insider” holds the board chairmanship. Read more »

Five Strategies for Withdrawing From Retirement Savings

March 2016
The 4% rule isn't the only approach to withdrawing retirement income. Mixing and matching different approaches may help to match the withdrawal strategy with each income need. Read more »

Be Wary of Offers for High-Yield CDs

March 2016
The Financial Industry Regulatory Authority (FINRA) issued a warning about advertisements promoting high-yielding certificates of deposit (CDs). Read more »

Online Retirement Calculators Called ‘Misleading’ by Researchers

March 2016
In a study of 36 online retirement planning tools, researchers found that just 11 succeeded in giving the correct analysis of whether a hypothetical couple could meet their retirement goals. Read more »

The Financial Literacy Quiz That Many Retirees Flunked

March 2016
In a survey of retirees, most flunked a quiz on retirement income, and nearly one of out of every four respondents gave the wrong answer on at least 70% of all questions. Read more »

No Long-Term Link Between Past and Future Fund Performance

February 2016
no-long-term-link-between-past-and-future-fund-performance Read more »

Contrarian Hedge Funds Outperform Momentum Mutual Funds

February 2016
Hedge funds following contrarian strategies tend to realize higher returns than hedge funds and mutual funds that follow momentum strategies. Read more »

Simplifying Investment Choices Helps Focus Decisions

February 2016
An analysis of a large U.S. nonprofit found that when the organization’s defined-contribution plan was streamlined, employees chose fewer funds, reduced their portfolio risk and lowered costs. Read more »

Smart Beta Funds Can Differ Significantly

February 2016
Smart beta strategies are promoted for being able to take advantage of specific return anomalies, however, approaches that focus on the same anomalies can vary significantly in their underlying construction. Read more »



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