Daniel R. Amerman, CFA

Articles by Daniel R. Amerman, CFA

Movies can have quite predictable plot lines that we know in advance - but we love them anyway. It could be a romance, where the girl is going to end up with the right guy through a series of improbable events, even though that looks...
"Compound interest is the eighth wonder of the world."

Albert Einstein

"My wealth has come from a combination of living in America, some lucky genes, and compound interest."

Warren Buffett

Compound interest is an...
The United States national debt is currently about $20 trillion, and the federal government is paying some of the lowest interest rates in history on that debt. The Federal Reserve has raised interest rates five times now, and is publicly...
In this analysis we will combine two "technicalities" that many people have probably never even thought about, and show how in combination and over the course of a retirement - they can completely change our day to day quality of life....
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...

Pages

The symbol for silver ‘AG’ comes from the Latin word ‘agentum’ meaning silver.