The Investor's Newsletter

Good morning Freedom Fighters:

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Reminder: I need to push the next live show to May 6th. I may randomly do some shorter live videos between now and then, but my back is not ready to sit in one place for 90 minutes! You can subscribe to the YouTube channel where the show is broadcast here.

3 Things

The Retirement-Income Death Spiral (James Sandidge)
Invest for the Decades, Not the Years (Of Dollars And Data)
TIPS Are on Sale (Morningstar)

My Videos & Articles

Rewards Stacking: This article describes my approach to saving and investing our credit card rewards.
Fed Chairman Powell Just Taught A Masterclass On Investing
Here's Why You Should Continue Investing After Retirement (Forbes)

ICYMI

Resistance training partially reverses some of the hallmarks of aging type II muscle fibers (Peter Attia)
Content or Complacent? (Mr. Stingy)
Mechanical Watch (BC)
What Are We Willing to Sacrifice for Certainty? (Money with Katie)
The Cloud Under the Sea (The Verge)
How I Created My Own Charitable Giving Plan (Flow FP)

What I'm Reading, Listening To, and Watching

Continue reading The Warmth of Other Suns by Isabel Wilkerson.
I found Lex Fridman's interview with Sam Altman fascinating. Sam has a habit of pausing before answering a question that I found odd.
Today is the final day of the Candidates Chess Tournament. The winner will play GM Ding Liren in the Chess World Championship.

Resources

Savings Accounts: 5.55% APY (up 5 basis points)
CDs: 3-month (5.42%), 6-month (5.55%), 12-month (5.40%), and No-Penalty (5.15%)
Money Market Accounts: 5.35% APY
Best Bank Bonuses (up to $2,000)

We continue seeing new signup bonuses on personal (including certain airline and hotel credit cards) and business credit cards.

Research: I've added the following resources to the research directory:

Spending Trajectories After Age 65: Another study shows that retirees spend less as they age.
Kentucky Windage for Asset Allocation: This paper discusses adjusting asset allocation for the embedded taxes in a pre-tax IRA. Also known as after-tax asset allocation, I think it's as misguided and unnecessary as the 3 Bucket Strategy.

Tools: I've added a few new tools to the tools directory:

Financial Freedom Calculator: This simple calculator gives you a quick estimate of your progress to financial freedom by calculating how many days a year your savings can fund your expenses indefinitely.

Model Portfolios: I've added a section to my site for model portfolios. So far, it contains the following:

More coming soon!

Best,

Rob Berger

P.S. To reach me just hit reply. I read every email!

P.P.S. You can find archives of this newsletter here.