Novice investors think they need to buy before that date. You should always buy after the date.

I don't think there are any investors who can say with confidence that 20-year bonds are a great buy with stocks rallying. It's natural to see some selling of bonds ahead of the auction.

The investors must stop and think, ... Say you want to buy an apartment but you are told this apartment is the subject of a court case. Will you risk buying this apartment? I don't think so.

This way, if there are any problems, all the retirement money isn't at risk.

Retirees are much too loyal to the company that employed them, ... When it comes to retirement savings, your first loyalty must be to yourself.

All the calculators do is project an interest rate and a tax rate for retirement. You can't rely on that. It's a guide, maybe.