Your Survival Guy

Preparing your investments and family for when disaster strikes.

Disclosure

  • Home
  • Your Survival
    • Your Survival Guy’s Super States
    • EMP Threat
    • Tucker Explains
    • Newport Gas Outage
    • Water
      • Emergency Water Storage
      • Let There Be Water
    • Get Your Gun and Your Training Now
    • Satellite Phones
    • Navy SEAL Survival Kit
  • Your Money
    • Coronavirus Infects Stock Market
    • Looking for a Better America
    • You Invest, They Win
    • Where to Keep Your Cash
    • Paris
    • How to Buy a Boat
    • Dead or Alive? The Future of Long-Term Investing
    • Is Vanguard too Big?
    • Cryptocosm and Life After Google
    • The Last Intelligence Report
    • The Truth Behind the S&P 500
    • RAGE Gauge
    • How Many “Retirees” Will Keep Working?
    • Your Retirement Life
    • You’ll Love This if You’re Dreaming of an Active Retirement Life
  • Weapons
    • Self Defense
    • Every Family Should Own at Least One Shotgun: Here Are Three
  • About Me
    • Preparing for Times Like These
    • My Videos/Pics
    • Music
      • RIP Neil Peart: You Will Always Be Remembered as a “Modern-Day Warrior”
    • Your Survival Guy: Make Your Bed and The Hero Code
  • You
    • Our Cabin on Kodiak, Alaska
    • If You Are in Pain, this May Help. It Helped Me.
    • How to Save for a Grandchild
    • FIRE! Financial Independence, Retire Early
    • Compound Interest
    • Arithmetic of Portfolio Losses
    • Maximum Portfolio Withdrawal Rate
    • An Efficient Frontier
    • Retirement Compounders
    • Counterbalanced Total Returns
  • Survive & Thrive
    • May 2022
    • April 2022
    • March 2022
    • February 2022
    • January 2022
    • December 2021
    • November 2021
    • October 2021
    • September 2021
    • August 2021
    • July 2021
    • June 2021
    • May 2021
    • April 2021
    • March 2021
    • February 2021
    • January 2021
    • December 2020
    • November 2020
    • October 2020
    • September 2020
    • August 2020
    • July 2020
    • June 2020
    • May 2020
    • April 2020
    • March 2020
    • February 2020
    • January 2020
    • December 2019
    • November 2019
    • October 2019
    • September 2019
    • August 2019
    • July 2019
    • June 2019
    • May 2019
    • April 2019
    • March 2019
    • February 2019
    • January 2019
    • December 2018
    • November 2018
    • October 2018
    • September 2018
    • August 2018
    • July 2018
    • June 2018
    • May 2018
    • April 2018
    • March 2018
    • February 2018
    • Welcome

Survive and Thrive April: Vanguard GNMA and Your Retirement Years

April 1, 2018 By E.J. Smith - Your Survival Guy

When the financial crisis destroyed the stock market in 2008, guess which fund weathered the storm? You guessed it Vanguard GNMA.

When the tech bust destroyed the stock market at the beginning of this century, guess which fund weathered the storm? Right again, Vanguard GNMA.

That’s two huge busts in the stock market so far this century. Many mutual funds focus on 10-year performance. As 2018 moves forward into 2019, the brutal losses of 2008 will be rolled off, and investors may not see the risk inherent in stock funds as they make their allocation decisions. But a retirement lasts longer than 10 years.

With a 20 year retirement plan in mind, study this chart for GNMA so far this century and you’ll see what it’s like to invest through the good and the bad years and, perhaps, an entire retirement.

Survive and Thrive this Month.

Warm regards,

 

 

E.J.

“Your Survival Guy”

P.S. Is living in a van and travelling the country for you? For some baby boomers it’s the only way to travel. “‘The thing I like so much about van life is the simplicity,’ says 55-year-old John Kennedy, now on his first big road trip, to California, in his $75,000 revamped Ram ProMaster,” reports Anne Marie Chaker in the WSJ. It may not be for everyone but it sure sounds like a wonderful retirement solution for some as one commenter notes:

Different people have different tastes and interests. When traveling by airline, we only fly first class and stay in the finest hotels. Or I fly my personal turboprop anywhere I want to go.

Every summer we look forward to driving our Mercedes Sprinter RV to new places in the US. In the last 20years since retirement we have owned five of these van based units, always searching for the perfect model. Major manufacturers produce these units. You don’t have to build your own.

We enjoy a full bathroom, comfortable sleeping, eating healthy food, sitting on the lawn in the campground at night enjoying a glass of wine, mid-day naps on the side of the road, seeing all the interesting sights in our country, meeting friendly people, taking it slow, etc. It is fun to drive, even better than my Mercedes SUV.

You will only enjoy it if you love mechanical things, like tinkering, spend time learning complex systems and are comfortable with tools and know how to use them. That is half the fun. This summer’s project will be a solar upgrade and all the accoutrements. It’s one of my hobbies.

Some people really enjoy this kind of thing. Others don’t. We do.

Chaker continues:

Retirement experts say the van life reflects a new way that people want to retire. Rather than work straight through until a certain age, more people are spreading out their leisure time, whether it’s between jobs or working a few hours a week as they travel. “Boomers are reinventing retirement and saying ‘I get to live my life the way I want,’” says Jaye Smith, the 63-year-old co-founder of Reboot Partners, a consulting firm that specializes in retirement and career breaks.

For some people, sleeping in the van at night can take some getting used to. “As soon as the sun sets, I get petrified,” says Lauren Costantini, a 48-year-old former chief executive of a medical-device company who is semi-retired. “I put the window coverings up and I feel better.” She recently returned home to Boulder, Colo., after a successful four-month trip across the country on her own.

Edward Lawlor two years ago bought a custom remodeled Mercedes-Benz Sprinter van from Outside Van for $130,000, which he takes out on the road with his wife Betsy for three to five weeks every few months. The former dean at Washington University in St. Louis is semi-retired and teaches on a flexible schedule. The couple has traveled in the van through New England and Nova Scotia in the summer and to New Orleans and along the Gulf Coast in the winter.

Read more here.

P.P.S. You don’t have to be a billionaire to live like one. In Montana, there are billionaires who own ranches that seem like they’re the size of Rhode Island, but they don’t have a monopoly on: camping, hiking, bike riding, kayaking, fishing or skiing. Nature can be enjoyed by one and all.

As an aside, you know what’s interesting about that rural life? It is alive and well. The same is true of the suburbs. Not everyone wants to live or retire to the city life.

The resurgence by Millennials moving to the burbs is proof of that. For young families, there is something to having a backyard and playing outside with your kids.

But, back to Montana and the rural life. In her piece “Outdoor Recreation Driving Population Boom in Rural Areas,” Jen Fifield of The Pew Charitable Trusts writes:

While many rural counties have been shrinking for years, others with strong recreational industries, such as mountainous western towns where people can take a quick hike or southern states with year-round golfing weather, have been growing rapidly. These populations are growing as it becomes easier to work from anywhere, and as more people retire and move away from the city.

The trend is part of what drove the overall slight growth of the rural population in the United States from 2016 to 2017, for the first time since 2010, according to a Statelineanalysis of census data. (Rural counties are those defined by the U.S. Office of Management and Budget as outside cities and their suburbs.) The population in rural counties grew by only about 33,000 during that time, to about 46 million. While counties with large mining and farming industries shrank, counties with large recreation industries grew the most, by about 42,000, to about 6.3 million.

This includes Flathead County, Montana, and other counties with or near mountains, such as Teton County, Idaho, near Grand Teton National Park, which have seen double-digit population growth; and Eagle County, Colorado, home of ski towns Avon and Vail, which has grown 5 percent since 2010. Rural counties on the edges of suburbs, where land is cheaper and recreation is right out the back door, such as Wasatch and Summit counties in Utah, have also seen double-digit growth.

Read more here.

 

Download this post as a PDF by clicking here.

The following two tabs change content below.
  • Bio
  • Latest Posts
My Twitter profileMy Facebook profileMy Instagram profile

E.J. Smith - Your Survival Guy

E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zilldjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris. Please get in touch with E.J. at ejsmith@yoursurvivalguy.com
My Twitter profileMy Facebook profileMy Instagram profile

Latest posts by E.J. Smith - Your Survival Guy (see all)

  • PRIMARIES: Trump Endorsed Candidates’ HUGE Night - May 18, 2022
  • All-Powerful Money Managers Voting YOUR Money Targeted by Senate GOP - May 18, 2022
  • TUCKER EXPLAINS: Buffalo Shooter was Troubled and People Knew It - May 18, 2022
  • Guns and Money: Learn from Ukraine and Get Yours Today - May 18, 2022
  • BE VIGILANT: The Rats Are Scurrying in These Rough Markets - May 17, 2022

If you enjoyed this post, email it to a friend:

  • Email
  • Print
  • Facebook
  • LinkedIn
  • Twitter
  • WhatsApp

Related Posts

Money 101

Trending

  • CHAOS: Don’t Sacrifice an Entire Retirement with This Mistake
  • ESG Is Another Way to Attack Conservative Principles
  • LOOKING FOR LIBERTY: Retirees Revive Rural America
  • You Can Do Better than Mutual Funds and ETFs with Your Cash
  • Biden Admin ALREADY Distancing Itself from Controversial Disinformation Czar
  • Your Survival Guy: Make Your Bed and The Hero Code
  • MARKET CHAOS: This May Take Time, Here’s How to Prepare
  • Joe Biden is Weaponizing Your 401(k) Against You
  • PANOPTICON: The Deep State's Expanded Civilian Surveillance
  • RAGE GAUGE: INVESTOR CARNAGE—Losing Control of Your Money

Must Reads

  • Why Mutual Funds and ETFs No Longer Work
  • Your Survival Guy’s 2022 Super States: #1 New Hampshire
  • Tom Brady Is Proof You Shouldn’t Retire if You Still Love Your Work
  • GAME ON! Lessons from Street Hockey on Baker Lane
  • CRIME WAVE: A Top Cop Shouldn’t Have to Ask His City for This
  • Your Survival Guy’s Fishing Stories: From Key West to Newport
  • Your Job as an Investor Is Not What You Think
  • Parents Are the New Tea Party. Bad Schools Are the New High Taxes.
  • HELLO: “How’s It Going? I Don’t Know Anything”
  • FIRE AND ICE: Defeat the Cold by Stocking Firewood
Only if You’re Serious
See Who's Missing the Boat
Key West Summer Camp in March
How Can You Save Money for Your Grandchild
Your Survival Guy's Fishing Stories
Money 101
Pandemic Creates Virtual Panopticon
Emergency Water Storage
Find Freedom in America
Second Amendment
Great Reset
Financial Independence, Retire Early
Richard  Young Reports
How You Can Save Money for Your Grandchild
Why Fidelity is Number One
The Best States for Survival
You Invest, They Win
Escape the City
Why Vanguard is Too Big for YOU
Island Life

Copyright © 2022 | Terms & Conditions

loading Cancel
Post was not sent - check your email addresses!
Email check failed, please try again
Sorry, your blog cannot share posts by email.