Created by Dave Bost
Retirement policy, Social Security, pension and investment insights for near retirees
Explore the latest content tracked by Retirement Strategy Digest
Higher 2026 401(k) caps mean bigger tax-advantaged savings:
High churn in small plans: Over 70,000 new DC plans added yearly (2022-2024), offset by closures—93% under 100 participants; 392,000 closed...
Inflation silently unravels plans over 25-30 years. Stress-test with these signs:
Key takeaways from Mercer CFA Global Pension Index 2025:
Key trends for stretching retirement savings:
Prepare now for these emerging risks hitting retirees:
FCA proposes streamlined financial advice to slash costs and boost access for everyday needs like lump sum investing.
Near-retirees beware: These 8 errors could cost $50K. Here's how to avoid them:
Critical angles on retirement withdrawals:
Key strategies from CMU seminar for mid-career workers to retire comfortably, not flipping burgers:
Longevity risk demands planning beyond 4% withdrawals: 50% chance a couple's retirement lasts to 95, exposing portfolios to sequence risk over 30+...
Retirement flips the script from accumulation to distribution—no more just saving, now engineer reliable income.
Real-world allocation from someone who retired at 41 on salary alone—no business or inheritance:
Social Security's trust fund faces depletion by 2032, risking cuts for millions unless Congress acts.
Late starters, here's the growth-focused plan:
Trend alert: Non-traditional paths are surging as retirees reject fixed-age exits.
