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Happy Holidays from Smart Investor

Robert MertonAt the end of the year, we always like to take a moment to reflect on the various changes the last 12 months have brought. As usual, we saw both successes and challenges in 2011, and we're moving forward to 2012 with confidence. We have a number of exciting things to look forward to in the coming months and we're eagerly awaiting a productive 2012. From everyone at Smart Investor, we'd like to wish you and your loved ones a Happy Holiday and best wishes for a New Year filled with health, happiness, and spectacular success.

A Nobel Approach to Retirement

Allan Henriques and Nobel Laureate Robert Merton Discuss Innovative Retirement Planning Strategy

Robert MertonAllan Henriques, Smart Investor's President and Chief Executive Officer, recently met with Robert Merton, winner of the Nobel Prize in economics, to discuss the pending launch of the Dimensional Managed DC retirement program. A select group of registered investment advisors participated in the meeting, which was help in late October in Santa Monica.

In 1997, Merton received the Nobel Prize for his work on developing a new method to determine the value of derivatives. His research focuses on finance theory including lifecycle finance, optimal intertemporal portfolio selection, capital asset pricing, pricing of options, risky corporate debt, loan guarantees, and other complex derivative securities. He has also written on the operation and regulation of financial institutions.

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Ron Davis: Embracing the New Retirement Reality

When Ron Davis retired in 2005, he had no idea that the biggest financial crisis since the Great Depression was just a few years away. Having already weathered the fallout from the tech bubble of the early 2000s, he felt confident that he was well prepared for retirement.

Then, in 2008, the stock markets went into a tailspin, just around the time that Ron's wife Kathy retired from her job as a middle school secretary.

"That was a scary time ... particularly when you're not contributing through earned income to your retirement fund," says Ron.

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Investment advice offered through Smart Investor, a Registered Investment Advisor.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult your financial advisor prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.