Paul Merriman

Young investors can build a retirement worth up to $50 million from an investment of just $6,000 per year for the first 5 years of contributions to a Roth IRA or Roth 401(k).  Paul Merriman, Chris Pedersen and Daryl Bahls show you how — with or without the help of parents or grandparents. Paul discusses […] The post 5 years of investing and you can become a multi-millionaire appeared first on Paul Merriman.

Dear Friends,  After 26 months of exercising extreme caution in protecting my wife and myself from contracting Covid-19, we felt confident to take a group trip to New York. We ended up spending five days in a hotel room having tested positive and feeling “under the weather.” Fortunately, it was not serious and we recovered, […] The post The only 2 stock funds you will ever need appeared first on Paul Merriman.

Times are changing and many investors are asking, “What changes should I make in my portfolio?” To answer, Paul discusses how to be a successful do-it yourself-investor. He also mentions free upcoming presentations, along with recommended recent articles and an interview on defining characteristics of a successful do-it-yourself investor. Join Paul online with the AAII New […] The post Do-it-yourself investor: be the best! appeared first on Paul Merriman.

Dear friends, I hope the advent of spring is as invigorating for you as I am finding it. But before I tell you about my recent past and future activities, I want to encourage you to join me Today, April 14 at 4:30 p.m. PT (that’s 7:30 p.m. ET) as I interview Larry Swedroe and Sam Adams on […] The post What is ESG investing and is it for you? appeared first on Paul Merriman.

Paul begins this podcast by reviewing long-term returns of the 4 major equity asset classes for the 94 years ending 2021, before moving on to the focus of the podcast: our quilt charts.  The most useful single table, of all the tables created by Daryl Bahls, Director of Analytics for The Merriman Financial Education Foundation, is […] The post How long can the unexpected continue? appeared first on Paul Merriman.

Flexible Distributions in retirement — which Paul considers one of the greatest financial luxuries for a retiree — are discussed in this podcast updated for 2022. He helps investors see the relationship between how much is taken out for distributions, the balance of equity and fixed income asset classes, and whether distributions are adjusted for […] The post Flexible distributions: a great luxury in retirement appeared first on Paul Merriman.

Dear Friends, We continue our annual updates of “Best Advice” with our latest offering, Fixed Distributions 2022, which examines a major financial decision: How much should you take out of your portfolio in retirement? In this week’s podcast, I discuss the use of the Fixed Distribution Tables, updated for 2021 data, using Fine Tuning Tables B1 (S&P 500) and  B9 (U.S. 4 Fund Portfolio) […] The post Ways to consider distributions in retirement appeared first on Paul Merriman.

How much should you take out of your portfolio in retirement? This is one of the biggest financial decisions you will make. In this presentation, Paul discusses the use of the Fixed Distribution Tables, updated for 2021 data.  He uses Fine Tuning Tables B1 (S&P 500) and  B9 (U.S. 4 Fund Portfolio) as the return series […] The post Fixed Distributions 2022 Update appeared first on Paul Merriman.

  Paul discusses the latest Equity and Fixed Income Tables (1928-2021). Also, see updates of The Ultimate Buy & Hold Fine Tuning Your Asset Allocation, Fixed Contributions and No-Nonsense Tables. Plus, he answers the following questions: How can I determine expected risk and return of a portfolio that combines investments from several of  your portfolios? […] The post How can I test results if I want to make changes to my portfolios? And other great questions appeared first on Paul Merriman.

Dear Friends, We often talk about how the past is knowable while the future is not. Until last week, I could not imagine that we would be witnessing a war in Europe, and on the heels of a global pandemic. Growing up and living in post-WWII US, Canada and Western Europe, most of us have […] The post Should you change course now? appeared first on Paul Merriman.

  In this podcast, you’ll learn about the long-term impact of using regular Fixed Contributions and our updated Tables for 2022. For young investors, this can mean adding millions to your retirement. Before listening to this podcast, Paul suggests you review the YouTube 2022 updates on The Ultimate Buy and Hold, Fine Tuning Your Asset Allocation, […] The post You can retire with millions more (and it takes less than $100 a month) appeared first on Paul Merriman.

  In this podcast and video, Paul Merriman, Chris Pedersen and Daryl Bahls discuss the 2022 update of “No-Nonsense Portfolios” Tables along with new tables used in a recent presentation at the 2022 White Coat Investor Conference. That presentation was entitled “The Inside Story of 150 Portfolios Better Than Yours.” The two tables compare the […] The post Comparing the risk and return of 20 different (mostly) popular portfolios for do it yourself investors appeared first on Paul Merriman.

Dear Friends, In the first two months of every year, our team buckles down to update our core data, our most essential and important work. (You can find this on our website under “Best Advice”). We begin with The Ultimate Buy and Hold Strategies: 2022, based on combinations of 10 equity asset classes. I’ve been writing […] The post Get better returns with less risk appeared first on Paul Merriman.

The idea began more than 25 years ago: Use tables to show the risk and reward of different equity asset classes — along with different combinations of equity and fixed income — so that investors gain a firm understanding of the relationship between long-term return and short-term risk, and make their investment decisions accordingly.  At […] The post Fine Tuning Your Asset Allocation: 2022 Update appeared first on Paul Merriman.

Since 1995 Paul has been writing and teaching Do-It-Yourself investors about the Ultimate Buy and Hold Portfolio. In this 2022 update he uses the UBH table (70-30) and UBH tables (50-50)  to make the case for 10 equity asset classes he thinks investors should consider owning in the equity portion of their long-term investments. The […] The post Ultimate Buy and Hold Strategies: Update 2022 appeared first on Paul Merriman.