market volatility safe withdrawal rates dynamic withdrawal rates portfolio design retirement income dynamically updating social security strategy diversified portfolio strategy larry r frank sr biography robo-advising evidence based investing market timing periodic table of returns retirement income investment volatility bond volatility compared how much can you spend in retirement historical bull and bear markets asset allocation expected longevity age bond ladder vs mutual fund college search career evaluation tools markets work focus on control dimensional repaying debt strategy bad debt good debt effect of saving more iteration failure rate probability of failure rate monte carlo simulations asset class distributions us market return distribution longevity bow wave as one ages longevity percentiles market decline happiness cost of delayed savings bad markets poor markets sailing and markets market fears market highs stock market indicator january effect key investor questions to ask oneself average market returns positive markets frequency resource use market uncertainty global diversification global financial risk certainty of lifestyle running out of money asset class investing investment returns solving the costs of index reconstitution index reconstitution index reconstitution effect survivor social security investor discipline social security and working survivor income replacement repaying student debt inflation and investing social security new rules costs of indexing prices and news tax on old stock market sizes market returns of countries beneficiary of a trust debt in retirement chasing investment returns chasing returns financial adviser financial guide paying mortgage early portfolio volatility borrowing from your 401k how waiting costs money procrastination costs money do it yourself investing investing in uncertain times unpredictable investing mutual fund capital gains taxes paying extra mortgage payments purpose of investing purpose of planning tirement income strategies career search mutual fund style drift nervous markets investment fads market recoveries market downturns money weighted returns dollar weighted returns time weighted returns longevity period life tables how to cope with market change smart beta write to yourself in the future future self randomness of returns bond ladder vs mutual fund laddered bonds will my taxes be lower when i retire lower taxes retirement investing biases investing behavioral biases retirement income myth financial change gold commodities financial aid adviser fees cycle of market emotions afford to move rent vs own nobel strategies beat benchmarks human emotions investing dfa interest rate expectations s&p500 annual returns reduce spending cut spending later increase saving save later executor wills morningstar morningstar star ratings great recession lessons types of debt necessary debt market based investing speculation investing contributions growth lessons great recession invesment lessons recession financial decision making efficient frontier range explained choosing an adviser retirement 4% rule cosign loan international stocks vs us stocks
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