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Hidden Bond Exposure in Balanced Funds, Target-Date Funds, and "Set It and Forget It" Allocations
When you think about your retirement investments, you probably want a mix that balances growth and safety. Balanced funds, target-date funds, and "set it and forget it" allocations are popular choices because they promise simplicity and steady results. But there’s a hidden risk many retirees don’t see: bond exposure. This hidden bond exposure can limit your flexibility and may shortchange your long-term results.
Let’s explore why these three common investment approaches mi

Fred Quinn
May 113 min read


Understanding Fixed and Fixed Indexed Annuities for a Secure Retirement
A happy couple walk along the Maumee River.

Fred Quinn
Mar 244 min read


The thrills are real and yet there is no fear.
Stock markets are at all-time highs in the US. The Dow Jones Industrial Average trails the other major indexes, up only 18% in the past...

Fred Quinn
Mar 1, 20243 min read


Do you remember 1984?
In 1984 a medium sized life insurance company made a portfolio allocation "bet" that caused its trajectory to soar for the next 30-years....

Fred Quinn
Jun 23, 20231 min read


Are you waiting for 8% on your savings?
Two retirees recently told me that they are waiting for 8% before they move their nest egg out of the bank. They both mentioned articles...

Fred Quinn
Sep 8, 20222 min read


Just say "no"
Tomorrow is election day across Ohio. Government again wants more of your money. Let's increase your real estate taxes. Let's increase...

Fred Quinn
Nov 1, 20211 min read


A trillion seconds is exactly how long? No way!!
A US Senator commented yesterday that a trillion dollars is a lot of money. He went on to say it's so much money that when put in the...

Fred Quinn
Oct 26, 20211 min read


Winter is coming.....
But not until we get to enjoy a (hopefully) wonderful Fall. Tomorrow sometime we will move from Summer to Fall and mark a day with...

Fred Quinn
Sep 20, 20211 min read


Are you out of proportion?
Last year was a good one for the "stock market". The major stock indexes all had double digit gains. Of course there were some stocks...

Fred Quinn
Jan 4, 20211 min read


Should there be a minimum interest rate, like a minimum wage?
With a new President comes new ideas. Whole bunch of ideas being thrown around within the new administration. Ideas like increasing the...

Fred Quinn
Nov 30, 20201 min read
Four emails in six weeks
Everyone needs a savings account. For emergencies and for opportunities. The emergency angle gets most of the press. But the opportunity...

Fred Quinn
Sep 22, 20201 min read
What's another trillion dollars anyway?
The loss of life and the suffering from Covid-19 has been devastating. Hopefully a vaccine will be effective in quickly reducing future...

Fred Quinn
Sep 17, 20201 min read
You must be kidding...
Watching a popular financial news channel this morning was an eye-opener. There it was- 0.70%. Less than 1%. That 0.70% was what a...

Fred Quinn
Sep 10, 20201 min read
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