I took a closer look at salary-based retirement savings estimates and whether you really need to save that much. #RetirementPlanning #lifegoals spr.ly/6016ytAyo

Just published: Our annual Mind the Gap study sheds more light on the persistent gap (an estimated 1.7 percentage points per year over the past 10 years) between investor returns and total returns. spr.ly/6012yabGC

Do you (or your clients) need an annuity for retirement income? Here are some guidelines for figuring it out. #retirementplanning #annuities spr.ly/6012y0RgQ

My take on #bitcoin as #digitalgold: spr.ly/6015JOv8H

In my latest article, I looked at whether it's possible to catch up with retirement savings if you get a later start and suggested some concrete steps for closing the gap. #retirementplanning #betterlatethannever spr.ly/6017JnWCL

In my latest article, I dig into why poorly timed cash flows have led to bad results for $ARKK shareholders. TLDR: Don't buy hot funds after huge runups in a frothy market. spr.ly/6016Jv962

Why Sector Funds Are A Bad Bet TLDR: Performance has lagged the market, and investor returns are even worse. spr.ly/6018KzPAE

My take on recent market volatility in an era of regime change: spr.ly/6019KOfmF

Excited to launch our 2022 Diversification Landscape paper with co-authors Christine Benz and Emory Zink. New this year: a look at what regime changes for interest rates and inflation mean for building diversified portfolios. spr.ly/6010Kj8hw

My take on what higher inflation might mean for stock/bond correlations and portfolio construction: spr.ly/6010KYdf8

Does your portfolio need private equity? Despite the potential for higher returns, the investment case is mixed. spr.ly/6016KoLyQ

Excited to announce Morningstar's brand-new Robo-Advisor Landscape Report, which includes our take on 16 leading digital advice providers in the United States. Hats off to co-authors Roberto Rojas, Placeholder, Alec Lucas, Gabriel Dennis, and Liz Templeton. spr.ly/6019KvB4R

Hot off the presses: Fund investors are leaving about one-sixth of their returns on the table, on average. Our annual Mind the Gap study also recommends steps investors can take to help close the gap. spr.ly/6010ztTlk

What are two key ways to avoid big portfolio mistakes? Our new Role in Portfolio framework can help. morningstar.com/lp/role-in-por…

I'm excited to announce the 2023 edition of Morningstar's Diversification Landscape report. We take a deep dive into recent performance by asset class, how correlations have changed, and what those changes mean for building well-diversified portfolios. spr.ly/6014OK51G