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RL128 - Retirement Planning: Avoid These Three Mistakes

On the Retirement Lifestyle Show, Roshan Loungani, Erik Olson, and Adrian Nicholson go through the three major mistakes you should avoid when planning for retirement. They talk about risk versus reward during retirement, why so many retirees are returning to work, and the benefits of proper retirement planning. Listen now to learn more about Retirement Planning: Avoid These Three Mistakes.

[10:40] Life After the Modern Portfolio Theory

[15:47] The Value Investing Strategy

[19:23] The Value Tracking Process

[23:40] The Evolution of Behavioral Finance

[27:25] The Cyclically Adjusted Price to Earnings Ratio

[29:32] The Warren Buffett Indicator

[33:40] Catching the Falling Knife

[41:47] Analyzing the Performance of Multi-Factor Investing

[47:20] Pros and Cons of Implementing Several Strategies

[01:00:20] Alternative Investment Opportunities

To read the Full Show Notes scroll down or click here.

  • Roshan Loungani can be reached at roshan.loungani@aretewealth.com or at 202-536-4468.
  • Erik Olson can be reached at erik.olson@aretewealth.com or 815-940-4652.
  • Adrian Nicholson can be reached at adrian.nicholson@aretewealth.com or at 703-915-8905

 

Listen now to learn more about Retirement Planning: Avoid These Three Mistakes.

Select episodes, like this one, can be found on YouTube: https://www.youtube.com/channel/UC0ZZPM3xk6onXNpb1ceAkCg

Visit Anchor.fm for ALL the links to several podcast sites: Anchor.fm: https://anchor.fm/roshan-a-loungani
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Retirement Planning: Avoid These Three Mistakes

Full Show Notes:

Risk Versus Reward During Retirement

Most people dream of a comfortable and secure retirement, so they carefully divert money from their paycheck into a retirement fund. However, we all know that preparing for a successful retirement is more than just saving money in a retirement fund. It’s about investing the money into an activity that helps it grow, generate income, and meet your specific needs. Interestingly, that’s where it gets complicated; you want to grow your investment without risking it all. But here’s the thing, nearly all investment vehicles carry some form of risk. It can be very low risk, but it’s always there. 

Since you’re no longer adding money into your investment vehicle during retirement, the security of your investments becomes even more important. Whatever you choose to invest in, it would be best to understand the amount of risk they expose you to versus the amount of reward they can offer. 

 

Why So Many Retirees Are Going Back to Work

According to a recent study by the Federal Reserve Board, 1/3 of the people who retire eventually return to work on either a full or part-time basis. And this is true across all income levels. The big question remains, why are so many retirees going back to work? 

First, the pandemic drove thousands of older adults into early retirement. However, inflation, the markets, and other unexpected events are sending them back into the workforce. And while most people don’t retire expecting to go back to work, there are numerous unforeseen reasons why this can happen, including the following: inflation, poor financial planning, in search of additional income, stock market volatility, boredom or loneliness.

If you’d like to avoid the possibility of going back to work, it would be best to take your retirement on a test drive a few years before your actual retirement. Or experiment on a couple of different things during the first few months of retirement before settling on one thing long-term. And always consult a financial planner well in advance to help you develop a solid financial plan. 

 

Links and Resources:

Target Date Retirement funds Episode

Charlie Munger: The Complete Investor by Tren Griffin

Disclaimer Welcome, you are now listening to the retirement lifestyle show with Roshan Loungani Erik Olson and Adrian Nicholson. This show is an exploration of ideas to help you work towards your ideal retirement. Roshan Loungani and Erik Olson serve clients across the US. They offer financial planning and investment advice through Arete Wealth Advisors, LLC, an SEC registered investment advisor and securities through Arete Wealth Management LLC, member FINRA, SIPC, and NFA. Get ready for the financial independence of your dreams. All opinions expressed by podcast hosts and guests are solely their own are based on information they believe is reliable. Neither Arete Wealth nor its affiliates, warrants its completeness or accuracy, nor do their opinions reflect the opinion of Arete Wealth. This podcast is for general informational purposes only and should not be regarded as specific advice or recommendations for any individual. Before making any decisions consult a professional. Finally, our music is the chance by Jason Shaw and Audionautix. It’s part of the YouTube Audio Library and it’s licensed under a Creative Commons license.

Thank you for listening.

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