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How should I invest for – and in – retirement?
Analysis that helps cut through the clutter and clatter.



Jason's Answers

Rethinking Income
09/01/2003: Money Magazine, Vol. 32 No. 9
Do You Really Need That Monthly Income To Make Ends Meet Or Are You Just Looking For Safety? For Many Investors, The Problem Of Falling Rates Is Not As Dire As It Seems
http://money.cnn.com/best/magazine_archive/2003/09/ALT-01.html;
http://www.jasonzweig.com/uploads/9.03RetirementIncome1.pdf;
http://www.jasonzweig.com/uploads/9.03RetirementIncome2.pdf


A Matter of Expectations
01/01/2001: Money Magazine, Vol. 30 No. 1 Special Forecast Issue
How much will stocks return in the future? Even forecasts that don\'t pan out have lessons for investors.
http://money.cnn.com/best/magazine_archive/2001/01/FUN.html;
http://www.jasonzweig.com/uploads/1.01Expectations.pdf


Investing for retirement and income
06/06/2000: CNN
In this appearance on CNN’s “In the Money,” Jason recommends some mutual funds and strategies to improve retirement security.
http://www.cnn.com/TRANSCRIPTS/0006/05/itm.00.html


The case for boring bonds
02/17/2000: money.com
What good is 6% a year when you can make 6% an hour?
http://robots.cnnfn.com/2000/02/17/mailbag/mailbag/index.htm


Dumbed down too far
01/18/2000: money.com
Lifecycle funds offer instant diversification, but they have their drawbacks.
http://robots.cnnfn.com/2000/01/18/mailbag/mailbag/index.htm


“Expert Q&A”
08/01/1999: morningstar.com
In this online chat, Jason fields questions from Morningstar users about everything from stock-picking “systems” to index funds, how and why to use a broker, investing in corporate bankruptcies, saving for college, the fine points of bond funds, and the ethics of financial journalism. [Conversation 676: in the “Jump to #” box, enter 676]
http://socialize.morningstar.com/NewSocialize/asp/fullconv.asp


A Nasty 401(k) Surprise
01/01/2005: Money Magazine
If you hold most of your stocks inside a retirement plan, you could be handing Uncle Sam more than his fair share of taxes.
http://money.cnn.com/pr/subs/magazine_archive/2005/01/INT.html;
http://www.jasonzweig.com/uploads/1.05Tax401k.pdf


Scholar of the Boomers` Future
02/28/2007: Money Magazine
Olivia Mitchell has thought as deeply as anyone about this generation`s retirement. Her take: Tune out the most dire forecasts. You may be in for a pleasant surprise.
http://money.cnn.com/2007/01/30/magazines/moneymag/mitchell.moneymag/index....;
http://www.jasonzweig.com/uploads/3.07Mitchell.pdf


The Man Who Explained It All
06/01/2007: Money Magazine
Bill Sharpe`s pioneering theory on the interplay between investment risk and return won him a Nobel Prize. Now he wants to help you use his work to make better financial decisions.
http://money.cnn.com/2007/05/21/pf/sharpe.moneymag/index.htm;
http://www.jasonzweig.com/uploads/6.07Sharpe.pdf


Inside the Mind of the Older Investor
11/01/2007: Money Magazine
As the brain ages, it perceives risk differently. That can make you money -- or cost you a bundle.
http://www.jasonzweig.com/uploads/11.07Aging.pdf


Why Is It So Hard to Save?
03/01/2008: Money Magazine
New research in neuroeconomics explores how the investing brain sizes up the long-term future.
http://www.jasonzweig.com/uploads/3.08Brain&Time.pdf;
http://money.cnn.com/2008/02/29/pf/intelligent2_mar.moneymag/index.htm


Giving Your Portfolio a Year-End Face Lift
12/06/2008: The Wall Street Journal
Some ways to turn a market crash to your advantage.
http://online.wsj.com/article/SB122851603042483909.html


Tempest-Tossed? Take Some Control
03/04/2009: The Wall Street Journal
Instead of plunging in and out with both feet, take some baby steps.
http://online.wsj.com/article/SB123612913479324703.html


The Time to Tame Inflation is Before It Strikes
06/27/2009: The Wall Street Journal
Why Treasury Inflation Protected Securities still make sense.
http://online.wsj.com/article/SB124605287991763101.html


Why Do Investors Sit Tight in 401(k)?
09/05/2009: The Wall Street Journal
A look at sitting bulls: the 401(k) investors who buy stocks and then never sell.
http://online.wsj.com/article/SB125209938267387389.html


Reach for Stock Yield, and You Might Just Get Bitten
12/12/2009: The Wall Street Journal
The difference between fixed income and dividend income, and why it matters.
http://online.wsj.com/article/SB10001424052748704201404574590030886119694.h...


Another Can`t Miss Deal That Can Miss Spectacularly
07/24/2010: The Wall Street Journal
A look under the hood of `secondary-market income annuities.`
http://online.wsj.com/article/SB10001424052748704249004575385140963405252.h...


Downside Protection Has Its Downsides
09/04/2010: The Wall Street Journal
What your insurance agent might not tell you about equity-indexed annuities.
http://online.wsj.com/article/SB10001424052748703431604575468212487332270.h...


Inflation? Deflation? It`s All About `Meflation`
09/11/2010: The Wall Street Journal
Wall Street`s pundits and salepeople all want you to make a bet on either inflation or deflation. That forecasting game takes your eye off what really matters.
http://online.wsj.com/article/SB10001424052748704505804575483811411612060.h...


Granny and Clyde: When Seniors Scam Seniors
12/18/2010: The Wall Street Journal
A look at the disturbing incidence of elderly financial advisers ripping off elderly clients. With Mary Pilon.
http://online.wsj.com/article/SB10001424052748704098304576021600313140180.h...


Preferred Stock: Are Those Juicy Yields Worth the Extra Risk?
02/05/2011: The Wall Street Journal
The pursuit of high income has its pitfalls.
http://online.wsj.com/article/SB10001424052748704570104576124330896347642.h...


Meet `Future You.` Like What You See?
03/26/2011: The Wall Street Journal
New `virtual reality` techniques could help solve the age-old problem of saving for retirement.
http://online.wsj.com/article/SB10001424052748703410604576216663758990104.h...


What Price Smooth Sailing?
12/03/2011: The Wall Street Journal
A look at `stable-value` funds in retirement plans.
http://online.wsj.com/article/SB10001424052970204397704577074520504909852.h...


Banking on Yourself: Is It Ever OK to Raid Your 401(k)?
06/25/2011: The Wall Street Journal
Sometimes.
http://online.wsj.com/article/SB10001424052702304231204576405902730644780.h...


The Vulnerable Older Investor
11/10/2011: WSJ Online: Total Return blog
A new survey shows the alarming risks of fraud faced by aging investors.
http://blogs.wsj.com/totalreturn/2011/11/10/the-vulnerable-older-investor/


Are Individual Investors Fleeing Stocks? Nope
06/27/2012: WSJ Online: Total Return blog
A look beneath the headlines about small investors getting out of the stock market.
http://blogs.wsj.com/totalreturn/2012/06/27/are-individual-investors-fleein...


How to Save More for Retirement Without Really Trying
03/30/2013: The Wall Street Journal
To increase retirement savings, make saving for retirement automatic.
http://online.wsj.com/article/SB10001424127887323361804578390313278109482.h...


The Retirement Gamble
04/23/2013: PBS Frontline
Video interview on 401(k)s with PBS` `Frontline.`
http://www.pbs.org/wgbh/pages/frontline/retirement-gamble/


How Funky Is Your 401(k)?
06/01/2013: The Wall Street Journal
Here come unconventional bond funds for retirement investors. Think twice.
http://online.wsj.com/article/SB10001424127887324682204578517432017147390.h...


How the Market-Matching Funds That Beat the Market Do It
01/18/2013: WSJ Total Return Blog
Further notes on how the TSP funds for U.S. employees work.
http://blogs.wsj.com/totalreturn/2013/01/18/inside-the-market-matching-fund...


Other Resources

Efficient Frontier

Link to William J. Bernstein's "Efficient Frontier" online newsletter, where he serves up opinion that is, at one and the same time, both biting and mathematically rigorous, both challenging and fun to read. Full of righteous anger at the knaves and nincompoops who dish out most financial advice, Bernstein is an invigorating breath of fresh air.
http://www.efficientfrontier.com/


Bogle Financial Markets Research Center

This site, featuring John C. Bogle's speeches and research papers, enables you to keep up with the latest thinking of the founder of the Vanguard Group. Jack Bogle is probably the best friend the individual investor has ever had, and the materials archived here are rich with insights into how the money management business really works and how you can take control of your own financial destiny.
http://www.vanguard.com/bogle_site/bogle_home.html


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JasonZweig.com is my place to tell you what I think about a whole lot of investing stuff. I’m the only one responsible for my opinions, but I can’t guarantee they’ll always be right. If you don’t like what I say or it turns out to be wrong, I’m sorry; you can’t sue me. The material you find here is not meant as specific investing advice for you, and if you use it that way and something goes wrong, that’s your problem, not mine. To get individualized investing advice, you need to do your own homework or else hire a financial advisor, a tax professional, or a lawyer to do it for you (and even then, you’d better watch like a hawk!). If you think anything on this website is an invitation for you to buy or sell any investment, you need to get your head examined. What’s more, I’m not soliciting business of any kind, because I don’t have any business to solicit. (Believe it or not, I don’t want your money.) I’ll do my best to avoid any conflicts of interest in running this website, but I don’t have silvery wings and a halo, and somebody might manage to corrupt me. If that happens, it’s your job to notice and to be disgusted by it. In short, none of my best efforts to be honest, sensible, and trustworthy exempt you from your constant duties to treat what I say with the same skepticism you should treat anyone’s pontification about investing. I wish you good luck!

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