Welcome to Retired Investor

"Will we outlive our savings?" "Will we have enough money to cover long term care or other unexpected expenses?" "Will we be able to leave something to others?"

These days, many people spend a lot of time worrying about these critical questions, but perhaps not enough time about this one: What steps should you take to ensure you are making good asset allocation and risk management decisions?

We started Retired Investor to help you answer the critical financial questions you face on the basis of evidence, logic and good analysis. Our goal is to help you become smarter about investing, so you can make better decisions. While other sites give you data and news, we help you to understand what they mean. We give you the analysis and knowledge you need to avoid common mistakes, and achieve your post-retirement investing goals.

On our site and in our journals, we start with a clear explanation of our asset allocation methodologies (including their strengths and weaknesses) and use them to generate model long-term policy portfolios and rebalancing strategies. In addition, because your chances of achieving your long-term goals can be seriously hurt by dangerous asset class overvaluations and large downside losses, in each issue of Retired Investor we provide you with our assessment of the economic outlook, current asset class valuations, and the implications of this information for asset allocation. For a good example of the analysis we provide, download our May 2007 article on "Why We Don't Sleep Well at Night".

We publish Retired Investor each month. You can either read it on your computer screen or download it as a pdf file to print. We alert you by email when a new issue is up on the site. Each monthly issue contains the following:

1. A summary of year to date returns on different asset classes (bonds, equities, commercial property, commodities, and timber) as well as a range of uncorrelated alpha stratedgies from the perspective of eight different currencies (including Australian, Canadian, and U.S. Dollars, Euro, Yen, Pounds Sterling, Swiss Francs and Indian Rupees);
2. Asset class valuation updates for each of these eight regions;
3. Letters to the editor;
4. A feature article, on an important investing issue, and a collection of shorter product and strategy notes;
5. Year-to-date performance for our model portfolios; and
6. Lists of index funds, ETFs, and other investments that can be used to implement our model portfolios' asset allocations.

We have also collected our past articles on different subjects on our website, to facilitate self-study by our subscribers.

Over 5,000 model portfolios solutions are available to subscribers whose functional currencies include Australian, Canadian, and U.S. Dollars, Euro, Yen Pounds Sterling, Swiss Francs and Indian Rupees. These are intended to maximize the probability of achieving different target income (withdrawal) and savings/bequest goals, over different expected lifetimes. Our model portfolios solutions include different combinations of up to eleven asset classes: real return bonds, domestic bonds, foreign currency bonds, domestic commercial property, foreign commercial property, commodities, timber, domestic equity, foreign developed market equity, emerging markets equity, and uncorrelated alpha strategies. Here is a Sample Portfolio Solution.

Also, please see the green buttons on the left side of this page for a more complete description of our model portfolios and methodology, as well as the overall post-retirement investment process, and how Retired Investor can help you think it through logically and manage it wisely.

Subscribe today, and start getting the knowledge and insights you need to make better asset allocation decisions and avoid painful losses.

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