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investment

Super Safe Withdrawal Rate Calculator

December 13, 2024 By Stephen Nelson CPA

Think about the constant relative risk aversions as akin to differently sized shoes.

The 'super safe withdrawal rate" calculator below estimates certainty-equivalent returns and the Merton share. You can use these … [Read more...] about Super Safe Withdrawal Rate Calculator

Filed Under: investment, personal finance, Red Portfolio Black Portfolio

Merton Share Estimator

December 13, 2024 By Stephen Nelson CPA

Use our Merton Share Estimator to calculate an equity allocation based on current market volatility.

You can use rules of thumb to determine what percentage to allocate to stocks versus bonds. Like "60 percent to stocks and 40 percent to … [Read more...] about Merton Share Estimator

Filed Under: Calculators, investment, personal finance

Estimating Investment Portfolio Returns and Values

March 1, 2024 By Stephen Nelson CPA

Investment portfolio returns can't be predicted with a crystal ball.

Over the last few months, I've encountered investors, advisors and even some financial writers struggling to make or suggest good estimates of future … [Read more...] about Estimating Investment Portfolio Returns and Values

Filed Under: investment, personal finance, retirement

Monte Carlo Simulations Show How Bonds Dampen Investment Risk

December 13, 2023 By Stephen Nelson CPA

Use Monte Carlo simulations to highlight benefits of adding bonds

Figuring out how much bonds dampen investment risk? Sometimes tricky. You hear people offer bromides. Like "bonds provide ballast." Or "bonds … [Read more...] about Monte Carlo Simulations Show How Bonds Dampen Investment Risk

Filed Under: investment, personal finance, Red Portfolio Black Portfolio

Why Bonds Matter for Your Portfolio

August 21, 2023 By Stephen Nelson CPA

Bonds matter to portfolios when investors want to minimize downside risks

A couple of times recently, I’ve encountered people who argue you or I should not invest any part of a portfolio in bonds. Or who argue only a small … [Read more...] about Why Bonds Matter for Your Portfolio

Filed Under: investment, personal finance, retirement

Rethinking Retirement for Lower Real Rates of Return

November 1, 2022 By Stephen Nelson CPA

long-term trends in long-maturity interest rates

The recent research paper, “Long-run Trends in Long-maturity Real Rates 1311-2021,” from economists Kenneth S. Rogoff, Barbara Rossi and Paul … [Read more...] about Rethinking Retirement for Lower Real Rates of Return

Filed Under: investment, personal finance, retirement

Inflation Reduction Act: What Every Real Estate Investor Should Know

August 10, 2022 By Beth Nelson CPA

On Sunday morning, the U.S. Senate passed the Inflation Reduction Act (H.R. 5376). Assuming the House passes an identical bill this Friday (and Nancy … [Read more...] about Inflation Reduction Act: What Every Real Estate Investor Should Know

Filed Under: business taxes, Corporate taxation, Inflation Reduction Act, investment, real estate, Strategy

Tax Strategy Tuesday: Real Estate Professional Tax Strategy

February 1, 2022 By Stephen Nelson CPA

The real estate professional tax strategy can save significant amounts of income taxes.

A few weeks ago, I talked about one way to get big real estate tax deductions onto a tax return, the vacation rental tax strategy. This week, I … [Read more...] about Tax Strategy Tuesday: Real Estate Professional Tax Strategy

Filed Under: individual income taxes, investment, personal finance, real estate, retirement, Tax Strategy Tuesday

Tax Strategy Tuesday: Avoid Real Estate Net Investment Income Tax

January 25, 2022 By Stephen Nelson CPA

real estate net investment income tax blog post art

Are you a real estate investor? And, just to get the awkward part over, have you been pretty successful with real estate? I thought that might be … [Read more...] about Tax Strategy Tuesday: Avoid Real Estate Net Investment Income Tax

Filed Under: individual income taxes, investment, real estate, Tax Strategy Tuesday

Biden Capital Gains Tax Planning

May 7, 2021 By Stephen Nelson CPA

Biden capital gains tax may push investors to tax gain harvest

As you may know, President Biden proposes changing the tax law in a bunch of areas, including ratcheting up the capital gains tax that some investors … [Read more...] about Biden Capital Gains Tax Planning

Filed Under: individual income taxes, investment

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Featured Posts

Washington state estate tax pushes wealthy residents to consider estate planning options.

Planning for the 35% Washington State Estate Tax

Washington state levies an estate tax of up to 35% on estates of decedents dying on or after July 1 2025. That new rate is by far the highest estate … [Read More...] about Planning for the 35% Washington State Estate Tax

the new Washington state professional services sales tax starts October 1, 2025.

Washington State Professional Services Sales Tax

Starting October 1, 2025, Washington State levies a sales tax on many, maybe most, business professional services. Thus, if you’re a business … [Read More...] about Washington State Professional Services Sales Tax

Washington state qualified family-owned business interest deduction

Washington’s Qualified Family-Owned Business Interest Estate Tax Deduction: Updated for 2025

Washington state taxes the estates of high-net-worth residents and high-net-worth nonresidents who own property in the state. The tax rates start at … [Read More...] about Washington’s Qualified Family-Owned Business Interest Estate Tax Deduction: Updated for 2025

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