Ken | Fisher 99 Retirement Tips Pdf

Most retirees fear stock market crashes. Fisher fears inflation more. Tip after tip reminds you that "safe" investments like cash or long-term bonds guarantee loss of purchasing power over 20+ years of retirement.

Because Ken Fisher gives this PDF away for free as a lead magnet (a marketing tool to introduce you to his advisory services), you should never pay for it.

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Warning: Be wary of third-party websites offering the PDF for a fee. Because the document is a marketing piece, it is freely available from the source. If a site asks for $19.99, you are being scammed. Most retirees fear stock market crashes

Tip #3: Own stocks, not bonds, for 20-year horizons. Fisher points out that over any 20-year rolling period in US history, stocks have outperformed bonds. If you are 65 and healthy, you have a 30-year horizon. Act like it.

Tip #7: Rebalance annually, not daily. Pick one day a year (e.g., your birthday) to sell high-flying winners and buy laggards. This forces you to "sell high" mechanically. Alternative Sources:

Tip #12: Avoid yield-chasing. High-dividend stocks are not "free money." Fisher warns that a high yield often signals a stock price that has crashed. Focus on total return (price appreciation + dividends).

Tip #18: International diversification is non-negotiable. The PDF argues that the US is only 40-50% of the global stock market. By ignoring Europe and Asia, you are betting against half the planet’s profits.