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Investing Blog Roundup: Should Spending Stay Constant Throughout Retirement?

In retirement planning, a common strategy is to try to determine a level of annual spending such that you can spend at approximately that same level (adjusted for inflation) for the rest of your life, without running out of money. This week, behavioral economist Shlomo Benartzi explains why a constant-spending strategy is not a happiness-maximizing strategy for many people.

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Investing Blog Roundup: Fund Expenses Still Matter

Earlier this year, an article for the Journal of Financial Planning made a claim that index funds are not as great as we’ve been led to believe, because 80% of actively managed funds outperform their benchmark. This week Allan Roth explains the critical flaws in that claim:

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Investing Blog Roundup: Increasing 401(k) Contributions

Today, I recently learned, is National 401(k) Day. Karen Damato of Money explains one of the most fundamental concepts about saving via a 401(k). Specifically, because of the immediate tax savings, increasing your 401(k) contributions doesn’t reduce your take-home pay by the full amount of the contribution.

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Investing Blog Roundup: Advanced Tax Planning with Muni Bond Funds

We’ve talked before about both tax-loss harvesting and tax-gain harvesting with bonds. This week, author/advisor Allan Roth shares an advanced tax planning strategy using muni bond funds, in which investors can expect to be able to claim a tax loss without actually having incurred an economic loss.

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Investing Blog Roundup: More 401(k) Lawsuits

Over the last couple of weeks, lawsuits have been filed against a whole list of retirement plan sponsors. As Morningstar’s John Rekenthaler explains, the plans being targeted are not the worst plans around. In fact, they’re better than average. So why are these plans being targeted? And should we expect the lawsuits to result in any improvement for the employees in question — or the industry in general?

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Investing Blog Roundup: How Often Do Tactical Allocation Funds Succeed?

Tactical asset allocation is the strategy of moving between various asset classes (e.g., from stocks to bonds or vice versa) in an attempt to outperform a simple static asset allocation.

This week, Luke Delorme takes a look at the performance of tactical asset allocation mutual funds to see how frequently they outperform a low-cost balanced fund (specifically, Vanguard’s Balanced Index Fund).

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