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Investing Blog Roundup: The Five Types of Retirement

I know that many Oblivious Investor readers are currently in (or are planning for) semi-retirement. That is, rather than going from full-time work to no work at all, they’ve transitioned to part-time work, with a more thorough retirement planned for the future.

This week, J.D. Roth takes a look at semi-retirement and other forms of non-traditional retirement. I think they’re all interesting, with distinct benefits as well as risks.

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Investing Blog Roundup: Happy Thanksgiving

I hope you all (or those of you in the U.S., at least) got the chance to enjoy your holiday with friends and/or family this week. As I’ve said for many years, being able to do this work for a living is a dream come true for me. So, again, thank you to all of you who make it possible in various ways — sharing the blog with friends, buying the books, writing in with questions and comments, and so on.

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Investing Blog Roundup: How to Handle Uncertainty

Investing is largely an exercise in dealing with uncertainty. You cannot predict future asset prices unless you can predict what will happen to both a) the underlying assets themselves (e.g., the companies whose share prices we’re considering) and b) people’s opinions of those assets.

This week, Carl Richards provides excellent advice on how to deal with uncertainty — both in finance and in life in general.

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Investing Blog Roundup: Election Surprise

Admittedly, I was surprised as anybody by the result of the presidential election. I’ll be sharing my personal-finance-related thoughts on that matter on Monday, while doing my best as always to keep the discussion nonpolitical.

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Investing Blog Roundup: Reverse Mortgage Spending as a Last Resort

Reverse mortgages have a terrible reputation — possibly even worse than annuities. Despite their very real drawbacks, a reverse mortgage is often the best way for a retiree to tap into their home equity in order to fund spending without having to move out of the home.

This week, Dirk Cotton compares the pros and cons of two reverse mortgages strategies: taking out a reverse mortgage early in retirement and using that money to reduce the amount that is spent from the portfolio each year, or again taking out a reverse mortgage in early retirement but holding off on actually spending the money until it becomes clear that it’s needed (i.e., using it as a last resort).

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Investing Blog Roundup: Planning for a Legacy

As many people enter retirement, they intend for their portfolios to fund two goals rather than just one. First and most obviously, the portfolio must fund their desired standard of living for the remainder of their lives. And second, they want their portfolio to actually outlast them so that they can leave something to their heirs. (If it wasn’t for these dual goals, lifetime annuities would be much more popular than they are.)

In financial planning, it’s helpful if you can be as specific as possible about your goals. This week, Darrow Kirkpatrick explores the topic of figuring out how much you want to leave to your heirs.

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