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John Bogle

Breaking-Down the Annuity Expense Criticism

Coverage of annuities by the broader financial media tends to be negative, with much of the criticism focused on annuity expenses.

The criticism is typically accompanied by a blue-sky investing scenario that makes the case for annuities that much less compelling.  The theoretical retail investor in such a blue-sky scenario invests with perfect discipline, efficiency and rationality in the lowest cost index fund over some absurdly arbitrary time-frame.

Why Even Bother with Self-Service Investing During Retirement

I have a huge amount of sympathy for many of the people who are recently retired or close to retirement.

John Bogle on the Restoration of the Fiduciary Principle

Vanguard Founder John Bogle continues to write about the need to restore the notion of fiduciary duty in American business.

Writing in the Journal of Portfolio Management, Bogle attributes the financial crisis to the declining standards in fiduciary duty and overall business ethics.

Much Ado About Equities

The U.S. Supreme Court is currently listening to arguments (which happen to have support from Vanguard founder John Bogle) regarding the ability to sue fund managers for passing along excessive fees to individual investors.

A favorable ruling could put a dent in the $90 billion of fees generated by the industry annually. 

The Costs of Investing and How the Fund Management Industry Comes Out on Top

A common refrain among the financial media and the asset accumulation community is that annuities represent a poor option because of the high fees and expenses—much of which is presumably directed towards compensation of intermediaries—that are incurred by the customer.

John Bogle Urges Retirees to Ignore Bequest Motive

John Bogle thinks that the notion of leaving an inheritance is nice but certainly not essential.

The Vanguard founder suggests that paying attention to one's personal finances and standard of living in retirement trumps the bequest motive since adult children should be able to take care of themselves:

An Interview with Retirement Planning Expert Henry Hebeler

 

Henry "Bud" Hebeler is a former Boeing executive who has been running a retirement planning company for over twenty years.

 

His company, Analyze Now (www.analyzenow.com), provides information and tools that help individuals with retirement planning.  The company has helped thousands of people and is well respected among journalists and industry observers.

Avoiding Large Investment Losses More Important than the Large Gains

Minimizing large investment losses such as those experienced by many during the past two years can be a more important factor in one's financial health than large investment gains.

Vanguard Founder John Bogle frequently discusses the importance of avoiding large losses:

Vanguard

Founded by the investment industry pioneer John Bogle, Vanguard is one of the world's largest investment management companies. Vanguard's mission is to help clients reach their financial goals by being the world's highest-value provider of investment products and services.

New Rules for Older Investors - Especially When it Comes to Equities

What are older investors to do right now?

  • Get out of the stock market entirely? 
  • Stay out of the market if you have already decided to get out?
  • Get back into the market now or wait and risk further increases while on the sidelines?
  • Place the majority of your savings in bonds?
  • Purchase an immediate annuity?
  • Purchase that immediate annuity with inflation protection?

Tough questions for both investors and their advisors.

Retirement Income Industry Association Spring Conference 2012

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