Quiet Wealth Insights
The Right Way to Understand the Cost of Term Life Insurance Is “Additional Months of Work Required”
Term life insurance is absolutely necessary for most working age households. Thinking about the cost of the insurance premiums through the cost of time can demonstrate why buying this insurance is relatively affordable way to significantly reduce financial risk.
Bonds Aren’t Boring Anymore, and Investors Need to Adapt
It was easy to manage bond portfolios during the 40-year bull market that ended in 2020. Since then, things have gotten more complicated, but many investors, even asset management firms, haven’t adopted to the new environment.
Deferred Variable Annuities: A Poor Choice for Long-Term Investors
Deferred variable annuities were an innovative product…in the 1950s. Today, they are almost never the right choice for long-term investors because of their cost and complexity.
Americans Want an "Ultra Safe Bank." It's Time to Ask Why They Can't Have It.
Americans want an ultra-safe bank. There may be good reasons why that may not be a good idea, but it’s a popular idea among voters that merits more research.
SVB and Individual Investors Shared a Common Problem: Falling for the Illusion of Safety from Fixed-Rate Debt
It wasn’t just SVB that lost big time from having too much fixed-rate debt. Investors have as well, and that should raise some questions for the asset management industry.