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Ron Surz

Serial entrepeneur specializing in target date funds and baby boomer investment education.
book 22 Courses
star_border_purple500 17 Reviews
 
About
Biography
Ronald J. Surz is co-host of the Baby Boomer Investing Show and president of Target Date Solutions and Age Sage, Target Date Solutions serves institutional investors, namely 401(k) plans. Age Sage serves do-it-yourself individual investors.

His passion is helping his fellow baby boomers at this critical time in their lives when they are relying on their lifetime savings to support a retirement with dignity, so he wrote a book: Baby Boomer Investing in the Perilous 2020s .
 
Posts by this author
Finance
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9 min read
Social Security and Medicare/Medicaid
Social Security benefits can accumulate above $1 million Medicare is subsidized, reduced cost,  health insurance Medicaid is help for the nee ...
Finance
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16 min read
Living to 100 on Savings, Social Security and Medicare/Medicaid
Longevity is on the rise, with current newborns expected to live more than 100 years 55 million baby boomers are poor and need help to live in thei ...
Finance
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7 min read
Reverse Mortgages
Reverse mortgages are one way to “spend” the equity in your home. You maintain ownership and can repay anytime, but must repay when you sell your h ...
Finance
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5 min read
Retirement Happiness
The main elements of happiness are health, wealth, and purpose. Purpose and gratitude are states of mind. Only we can make ourselves happy. Certai ...
Finance
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2 min read
Why the 60/40 Stock/Bond Rule is Stupid
The 60/40 Stock/Bond Rule is ubiquitous, and that’s stupid because it’s just not right for everyone. Asset allocation is the most important decisio ...
Finance
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3 min read
Baby Boomers Should not “Stay the Course” Because Most Are on the Wrong Course
The standard advice in market corrections like the one in the first quarter of 2020 is to “Stay the Course” because stock markets always recover. Thi ...
Finance
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7 min read
Forecasts of Stock Market Performance Are Overly Optimistic
Two basic underlying assumptions are uniformly optimistic Threats to the economy and stock market are rarely discussed or reflected in forecasts Th ...
Finance
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17 min read
Per Capita World Debt Has Surged To Over $200,000
 Global debt is officially $184 trillion, which is 225% of global GDP. This is $86,000 for every person in the world, which is 2.5 times annual ...
Finance
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5 min read
The Thinking Man’s Target Date Fund is A Personalized Target Date Portfolio
Target date funds (TDFs) are enormously successful, having grown from nothing to $2.5 trillion in just the past decade. Their main appeal is that som ...
Finance
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13 min read
This Bad Gamble Jeopardizes Retirement Lifestyle
The $trillions invested in Target Date Funds (TDFs) and Individual Retirement Accounts (IRAs) are destined to be devastated by a risk that is well do ...
Finance
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15 min read
Retirement Spending Budgets for 78 Million Baby Boomers: How Will Poor Baby Boomers Survive the Retirement Crisis?
55 million baby boomers are poor and need help to live in their retirement. They are the “Retirement Crisis.” The other 23 million baby boomers hav ...
Finance
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13 min read
The 70 Year History of Investment Consulting: 1950-2020
Investment consulting has a long history that has been marked by innovations occurring about every ten years. In the following, we discuss each inno ...
Finance
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2 min read
Testing the Bottom: The S&P has lost 23% through 6/19/22. It could lose another 40%.
“Buy the dip” and “Stay the course” presume the worst is almost over.  Two different forecasting methods predict a 54% stock market loss in 20 ...
Finance
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9 min read
Inflation Mosaic
Recent money printing exceeds 2.5 times the combined costs of our recent wars. It’s ginormous. Compounding the money printing problem, US debt cann ...
Finance
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1 min read
Your Target Date Fund Has Lost at Least 14% This Year so Far, Unless…
Target date funds (TDFs) were last tested in 2008, when they failed to protect, losing more than 30%. 2022 could be the next test, and the indication ...
Finance
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4 min read
When Stocks and Bonds Won’t Do
Interest rates are going up, so bond and stock prices are going down. You can ride it out, but it could be an awfully long rough ride. The other o ...
Finance
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4 min read
The Dropout – A True Story – Teaches a Lesson About Target Date Funds
At age 19 Elizabeth Holmes founded Theranos in 2003, and it became a $10 billion company by 2014 But Theranos was a fraud Certain aspects of targe ...
Finance
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14 min read
Bursting Bubbles Blast Baby Boomers
Interest rates have never been lower and stock prices have never been higher. We call those bubbles. There are 15 explanations for the stock market ...
Finance
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1 min read
Protect Your Savings Blog
Do not lose your lifetime savings   https://targetdatesolutions.com/AgeSageLibrary.shtml  
Law
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1 min read
Visit the Fiduciary Corner
Fiduciaries to 401(k) plans take heed: https://targetdatesolutions.com/fiduciary-corner.shtml  
Finance
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1 min read
Blog of recent articles about target date funds
At $3 trillion and growing target date funds are the biggest deal in 401(k) plans.  Read my articles in 401(k)specialist magazine here   h ...
Finance
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29 min read
Now you know ...the rest of the story
The Rest of the Story reveals little-known facts that have not been reported. Topic               The ...