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11 plain-English articles on how we invest, why it works, and how to plan for retirement — from the team at Dauble+Worthington.
The most fundamental question prospects ask. Explains active vs. passive, why rules-based rotation matters, and why it's not "market timing" in the pejorative sense.
Defines the strategy, its 100+ year track record, and why behavioral finance makes trends persist. Directly describes how D+WEP invests without making performance claims.
The mathematics of investment losses are not symmetric. A 50% loss requires a 100% gain to recover. This article walks through the math and explains why capital protection is a primary — not secondary — goal.
Explains the concept of relative strength investing — rotating into the strongest-performing assets — without disclosing proprietary signals. Puts the decision-making process in plain English.
Where the rule came from, what current research says about it, and why active drawdown management can extend the life of a retirement portfolio beyond what the original research projected.
The order of market returns matters as much as the average return. A bad early sequence during withdrawals can permanently derail a retirement — even if long-run averages look fine.
A complete guide to the Social Security claiming decision — break-even ages, spousal benefits, the role of health and other income, and what the data says most people should do.
Required Minimum Distributions explained — who must take them, new start ages under SECURE 2.0, how the IRS table works, the penalty for missing one, and smart tax planning strategies.
The documented failure of emotional market timing vs. the disciplined rules-based approach we use. Why the "don't miss the best days" argument misses the point for actively managed portfolios.
Precise definitions of bull markets, bear markets, corrections, and crashes — with historical data on each and what they mean for how you should manage your portfolio through each environment.
Our articles cover the concepts. A conversation with John covers your portfolio.
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