Author Archives: Evan

Does Ethnicity Play a Part in How You View Retirement Accounts?

Vanguard recently released a very interesting study titled, “Diversity and Defined Contributions plans: Loans and hardship withdrawals” which looked at the loan rates according to ethnicity across 7 defined contributions plans.  The sample size was almost 250,000 and was made up of active participants.  I don’t remember my 401(k) asking me my race/ethnicity, but apparently… Continue Reading

Trying to Understand Long Term Care Insurance

At the heart of every insurance contract is a shifting of risk to someone more likely to handle it better in exchange for a set of premiums which the insurer hopes it can invest way better than you or I for various reasons.  While I am entirely too young to consider Long Term Care Insurance… Continue Reading