Modern Retirement

Modern Retirement Theory is a retirement planning framework for individual retirees.

[Modern Retirement @modretiretheory]

Ave. holding periods for stock investors globally has fallen to about 10 months (@eToroUS). Investors must manage emotions by living through peaks and valleys of rolling period performance to improve chances of meeting long term goals. https://t.co/5kkCLI9xQS #IWI #investing

[Michael Mauboussin @mjmauboussin]

The latest from Hank Bessembinder: "Returns to 'Do-Nothing' Portfolios." A noteworthy finding is that recent outperformance of the largest stocks is atypical and portfolios of the largest stocks performed quite poorly over the full sample. https://t.co/irMfd3lNho

[Modern Retirement @modretiretheory]

Why Some Retirement Portfolios Survive Market Shocks—and Others Don’t https://t.co/smOfRNXGqc via @Rethinking65 #retirementincome #bondladders #modretiretheory

[Modern Retirement @modretiretheory]

Interesting investing research paper out this month by @AssetDedication https://t.co/cR4E7tbYxo

[Modern Retirement @modretiretheory]

@mattcerminaro https://t.co/cR4E7tbYxo @AssetDedication

[Pension Benefit Guaranty Corporation @USPBGC]

You asked, we listened. PBGC has a new webpage to support the practitioner community!

Visit our practitioner filings page to find all the information you need regarding forms, notices, applications and payments: https://t.co/dXqPvqTtdL

[Modern Retirement @modretiretheory]

@cullenroche Interested!

[CFP Board @CFPBoard]

Not all financial advice follows the same rules. Scott M. Kahan, CFP® told the U.S. Senate Special Committee on Aging why fiduciary duty matters for protecting consumers, especially seniors. Watch his testimony to hear the full discussion.

[Eric Nelson, CFA @ServoWealth]

If you’ve been enjoying my comments & the graphics I use, I have exciting news.

The Index Matrix, which includes the Index Matrix Ap, and the great visuals and posters, is now free and available for everyone. You gotta check this out, and be sure to share this incredible resource!

https://t.co/k8Jqq7cPB2

[Jeff Levine, CPA/PFS, CFP® @CPAPlanner]

Over the past two decades, the rise in the percentage of the population choosing a Medicare Advantage Plan over Traditional Medicare has been nothing short of staggering. In 2007, for instance, less than 20% of Medicare enrollees were using an Advantage Plan. Today, it's more than half🤯

I think the widening wealth gap and the weakening of the middle class have a lot to do with this. The allure of an Advantage plan's "free" vision care, gym memberships, or dental coverage can be attractive to individuals who might otherwise struggle to pay for such "perks" in retirement.

But for those who can afford it, in most states, it's still hard to argue against going with Traditional Medicare w/ a quality Medigap policy. If - and, really, "when" for most - the time comes you need specialized care, you want to be able to pick the best doctor for you, not the doctor that just happens to be in your insurance network. You probably don't want to deal with preauthorizations either, especially when the insurance company has a built-in incentive to deny them.

Note: While you can always switch from Medicare Advantage to Traditional Medicare during Open Enrollment, outside of a few exceptions, in MOST states, you'll have to go through underwriting. And if you're switching back b/c of an issue that has already presented itself, you may not be able to get that Medigap policy. And without that, there's no out-of-pocket maximum, which probably means you'll be stuck with your Medicare Advantage plan forever!🫤

"A decade ago, about one-third of Medicare beneficiaries were enrolled in MA. By last year, 55%, or 35 million older adults and people with disabilities had signed up for managed care." https://t.co/wgUwjvBV27

[MichaelKitces @MichaelKitces]

Retirement spending patterns vary as retirees cross age-banding thresholds! A growing volume of research studying the actual spending habits of retirees is revealing that the traditional approach to saving for retirement may not be appropriate. Because as it turns out, retirees don’t actually maintain a stable lifestyle in retirement; instead, spending levels tend to decline (in real terms), as the retiree goes from the “Go-Go” early years of retirement, to the “Slow-Go” years, and eventually the “No-Go” years. #retirementplanning #advicers https://t.co/nZsWspvNld

[Modern Retirement @modretiretheory]

What increases the odds of being a SuperAger? 1 Habit: Stay social! SuperAgers are individuals 80+ with cognitive function that's on part with a middle-aged person. https://t.co/j4r1vesuEi

[Mary Beth Franklin @MBFretirepro]

Social Security turns 90 today! The nation’s bedrock retirement program provides income to about 70 million beneficiaries. But it is in desperate need of bipartisan congressional intervention to ensure it can continue to pay full promised benefits to current and future retirees.

[Barchart @Barchart]

U.S. Stocks will return only 3.8% to 5.8% a year over the next decade, cautions Vanguard 🚨🚨

[Modern Retirement @modretiretheory]

Social Security claiming is a multifaceted decision. https://t.co/YzBpqt61x3 #socialsecurity #retirementincome

[Ray Dalio @RayDalio]

https://t.co/3axXP2mPHg

[Modern Retirement @modretiretheory]

Ten IRS Audit Red Flags for Retirees in 2025 https://t.co/l5O6bxjdcQ

[Barchart @Barchart]

$115 Trillion World Economy in One Chart

[ASPPA @ASPPA]

The DOL supports retirees in a key ERISA case, arguing outdated mortality assumptions violated QJSA actuarial equivalence rules. This fight could redefine pension fairness and retirement security.

Read More: https://t.co/gM2MMV93tn

#RetirementPolicy #ERISA #RetirementSecurity

[Modern Retirement @modretiretheory]

The fact that winners can gain more than losers can lose is one of the many reasons I’m so optimistic about investing in public markets. - David Booth
https://t.co/fWiLp92NE9

[Modern Retirement @modretiretheory]

The Best Thing About Retirement, According to WSJ Readers https://t.co/dOsdpHzmM7