We live in a world where many interest rates are near (or below) zero, where nations seem impossibly far in debt, and where pervasive government interventions create sky-high stock and bond prices that seem disconnected from the underlying troubled economies and global risks.
From the perspective of the traditional financial education of previous decades - this is not the way the world is supposed to work. Yet, decisions must still be made when it comes to savings and retirement investing, as well as pursuing other long term financial goals.
Using the tools of financial analysis, Chartered Financial Analyst Daniel Amerman has created a series of financial education tutorials that deliver the needed knowledge for making better decisions in our current financial and economic environment.
Topics covered include:
1. Financial analysis of the conflict of interest between a government trying to hold down interest costs and savers who need higher interest rates to build wealth, and why a $19 trillion national debt may reduce retirement account earnings and retiree standards of living for decades. (Watch or read)
2. Four part financial analysis of how to make optimal Social Security decisions that take into account not only 1) the government schedules; but also 2) inflation; 3) the interrelationship with Medicare premiums; and 4) what happens to benefits when the Trust Funds are depleted. (Read)
3. For decades we have known that the time would come when Social Security & Medicare costs would begin a rapid and explosive growth upwards. That time is no longer the distant future - but something that will take place next year, and the year after, and the year after. As shown below, the amounts involved are staggering and they will arrive much faster than most people realize, with profound implications for the national debt, retirement savings and benefit payments. (Read)
4. Financial analysis of how even very low rates of inflation create hidden taxes that can effectively consume all real earnings for precious metals, stock and bond investors - but in a form that never appears on a tax return, and is not understood by the general public. (Watch or read)
5. The four historical methods that governments use to reduce outsized national debts, and how they can all change each of our lives - while turning upside down many of the usual assumptions about retirement investments and long term financial planning. (Read)
6. How the new financial rescue method of "bail-ins" which has been adopted in the 2010s by the G-20 nations (including the United States) thoroughly changes the rules and risks for savers and investors, with particular concerns for retirees relying on pensions as well as retirement investors. (Watch or read)
7. Gold and housing are each tangible assets that move in quite different cycles. By analyzing the long term relationship between these two assets, can we gain insights into relative value & risks? (Read)
8. To understand where stocks can go in the future, it helps to better understand how stocks really worked in the past. The possibility of Dow 36,000 may sound alluring for investors, but that isn't necessarily the case, as we explore in this historical analysis of how 70% of stock investor wealth was annihilated - without most investors ever realizing what had happened to them. (Read)
9. We are told that California's biggest pension fund is underfunded by $139 billion - but could it be much worse? As explored in this analysis, Federal Reserve policies may create pension shortfalls for states, cities and school districts around the country that could be 4X to 7X worse than the public is currently being told. (Read)
Other Recent Articles & Videos
Ongoing articles and commentary about current financial developments are sent directly to subscribers (subscription is free, and is included with the free book). A sampling of some recent articles can be found below.