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The Next 20 Years
What might the last 20 years say about possible asset returns for the next 20 years. Here are returns for various assets from two...


S&P 500 Return Probability
What does the ProFolio Return Probability Calculator tell us about possible returns for the S&P 500? Since future inflation may or may...


Needle In A Haystack
According to Hendrik Bessembinder, a finance professor at Arizona State University, in his paper, "Do Stocks Outperform Treasury Bills?",...


Probability Of Events
Suppose you live in a 100 year flood plain. Your chances of experiencing a flood are 1% every year. If you live in the house for 30...


Know Your Investments
What is the expected or average annual return of your portfolio? What is the expected annual volatility or risk of your portfolio? ...


When Should I File For Social Security? Part 2
The conclusion we made in part 1 was that as long as you lived beyond age 79 it made sense to delay filing for Social Security until age...


When Should I File For Social Security? Part 1
Social Security benefits increase up until the age of 70 for those individuals who delay filing. The general increase is approximately...


Private vs Public College
There are many factors that go into the choice of a college that have nothing to do with whether the college is a private or public one. ...


How Much To Save For Retirement vs Income
You will need about 70% of your pre-retirement income to maintain your standard of living in retirement. The percentage of your...


Volatility Primer 7: Portfolio Value Plots
The portfolio value plots show the accumulation of both risk and return in the investment account. The bottom line on the graph below...
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