Technology’s Impact on Investment Management

Here is the link.

1. Low interest
2. tax
3. Inflation
4. Annuity - get second opinion - inflicted with commission 

1-2-3 challengs

1. income keeps pace with inflation

Going broke by safely 

Hypothetical interest rate 1.5%  $100,000

33% Fed/State Tax Rate  -0.5%
                                          1.0%
Hypothetical inflation     -3.0%
Real annual return           -2.0%
(net of taxes and inflation)  x 20 yrs
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                                        -40%        $60,000


guaranteed to fail because net of taxes