@article{1442962,
      recid = {1442962},
      author = {Kurshan, R. P.,},
      title = {Investment industry claims debunked : smart personal  finance management for ordinary folks, before and after  retirement /},
      publisher = {Springer,},
      address = {Cham, Switzerland :},
      pages = {1 online resource},
      year = {2022},
      abstract = {This book is for people who want to know what to do with  the money they save: so that its there when they need it to  buy a home, pay for college, etc. but also grows enough so  they dont outlive it. The investment industry is xated on  the importance of maintaining a balance of stocks and  bonds, shifting to more bonds as one ages. This book  challenges this belief by arguing that whats actually  important is to have just enough bonds and cash to support  spending needs from a stable source, and to replenish these  through the sale of stocks at propitious times when the  stock market is not depressed. It features simple  mathematical calculations, an explanation of basic  financial objects like stocks, bonds, ladders, CDs, ETFs,  or annuities, a discussion of how to evaluate financial  risk, examinations of insurance, fraud deterrence, dollar  cost averaging, benefits of a mortgage, risks of a pension,  and general advice about healthcare. Although the book is  written to be accessible to those with little or no prior  knowledge of nance, the studies and conclusions presented  here benet a multitude of financial investors.},
      url = {http://library.usi.edu/record/1442962},
      doi = {https://doi.org/10.1007/978-3-030-76709-9},
}