How can I optimize my portfolio in retirement? Many people think of investing as a process that answers questions such as “which stock should I buy?” or “which mutual funds should I pick for my IRA?” While these are important questions to consider, the process of choosing the appropriate investments for your portfolio represents only a fraction of the value... Read More
Do you have enough to retire? Answering this question confidently is one of the biggest decisions of your life. And today’s retirement landscape is so complex that making this decision effectively requires individuals take a measured and planned approach to their retirement. But many at Intel (and elsewhere) do not feel prepared – and that’s not surprising considering the number... Read More
"Money is like soap, the more you handle it, the less you will have." – Gene Fama The typical owner of an individual bond couldn’t care less about the current price of that bond. When asked “why not?” they’ll say it’s because they plan on holding it to maturity. This is a technically wrong but a behaviorally useful way of... Read More
*A version of this article originally appeared on the CFA Institute's Enterprising Investor blog. I recently participated in a fun exercise. My friend Phil Huber, CFA, asked a group of us to define Evidence Based Investing in 10 Words or Less My favorite definition came from Bob Seawright, who said, “A relentless focus on what works, what doesn’t, and why.” On... Read More
If you need to cross a river, it's unlikely the bridge below you will collapse. That's because the engineer has been trained in hundreds of years of best practices. From tension and compression to the latest on when and where to use a beam, arch, truss or suspension for support, she knows what's come before. Not only that, but the... Read More
‘Because I said so‘ is the easy answer as a parent but rarely the best response. It's one I swore as a kid I'd never use when I grew up, but I do. The investing version of this time-saving shortcut, “Because I said so investing,” is allocating based on headlines—something we all know we shouldn’t do, but that proves tempting... Read More
Intel is simplifying its retirement plan lineup by removing six investment options This change goes into effect September 1st, 2017 If you own any of these funds and don't make a change before the deadline, your investment will be automatically sold and the proceeds transferred into an age-appropriate retirement date fund For a complete list of eliminated funds and potential... Read More
Last weekend the Wall Street Journal had a short article titled Beware of Winging Your Retirement that emphasized giving thought to the non-financial aspects of retirement before reaching this major milestone. The upside to those who envisioned and planned for their future? Greater life satisfaction. From the article: But in talking with and hearing from hundreds of retirees through the... Read More
Starting in 2009, Intel announced a new form of stock compensation in the form of Outperformance Stock Units (OSUs) for top executives (MCM members) and expanded the OSU grants to executives grade 12+ in 2014 (coinciding with the last year of stock options). In 2017 for those levels 12+, OSUs will make up 60% of the focal grant’s value with... Read More
Now that we’ve calculated years of service and determined retirement eligibility, it’s time to see how they interact with retiree benefits. The benefits are grouped as follows: Medical Stock Compensation Bonus Pension Life Insurance Medical Benefits Health and Vision Coverage Retirees can continue medical coverage for themselves, their spouse and eligible dependents through the Intel Retiree Medical Plan (IRMP). In... Read More
