What the ten minute experts [this is the time that they said that they spent investigating my research] continue to get wrong:The most serious error was freezing the research at its original findings. The original findings suggest using a high stock allocation with annual rebalancing. This turns out to be a horrible choice for today’s retirees.Freezing the research also froze out the solutions. Knowing that selling shares at depressed prices causes failure, a much better alternative would be to rely on dividend strategies that avoid the need to sell. This turns out to be far superior to the liquidation strategies.Have fun.John Walter Russell
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