Daniel R. Amerman, CFA

Articles by Daniel R. Amerman, CFA

Most advice on long-term planning for retirement and Social Security benefits is based on the assumption that Social Security will fully keep up with inflation. As we are establishing in this series of analyses, the full inflation indexing...
There is a lot of advice out there about Social Security - most of which is based on Social Security being fully inflation indexed.

However, as we will establish in this first in a series of analyses, Social Security is only partially...
In this analysis we will take a look at something deeply personal – which is how the $20 trillion United States national debt may change the day-to-day quality of life for savers and retirees in the decades ahead. That is likely a somewhat...
For decades we have known that the time would come when Social Security & Medicare costs would begin a rapid and explosive growth upwards. That time is no longer the distant future - but something that will take place next year, and...
The reported shortfall for the California Public Employees Retirement System (Calpers) is $139 billion - but that is based upon investment assumptions that may be unlikely in current markets.
As developed using a 40 year financial model...
The Federal Reserve and other regulators around the world (including all members of the G-20) have recently agreed to alter margin rules, which will allow them to claim new powers over lending and leverage. In the United States these...
Markets and economies usually run in cycles -- and there have been numerous previous reversals where falling interest rates have been replaced by rising interest rates. The soothing reassurances from many financial authorities and much of...
We are told that many economics experts don't worry about the total national debt because $5 trillion of that debt doesn't really exist; it is rather just a theoretical bookkeeping transaction for money that the federal government owes to...
With comparatively little fanfare, Fidelity Investments has announced that 100% of their $115 billion Cash Reserves fund, the world's largest money fund, will be invested in US government debt by December 1st of 2015. It is expected that...
The energy systems which drove the global stock market rout have been building for months and years, and by the spring of this year, the danger flags were clearly flying. Indeed, as I wrote in May of 2015 in an analysis titled "A Financial...

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