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Moon’s Research Continues to Explore Retirement Portfolios and Financial Planning

Turner College associate professor of finance Gisung Moon recently visited with Turner Business to discuss some of the topics he is currently researching.  According to Moon, “My research these days is in the areas of retirement portfolio and financial planning.”  One of his current projects involves social security retirement benefits, and the choices that millions of Americans are facing every year concerning them. More specifically, Moon is investigating the optimal decision rules for couples to employ in deciding when to file for benefits, given the joint probability of their lifespans.  “The decision is not simple, especially with couples who must consider auxiliary benefits in addition to their own,” Moon explained.  “I am also working on integrating the social security benefits into the asset allocation decision concerning one’s retirement portfolio.”  This line of work continues Moon’s most recent research program. Turner Business recently wrote about Moon’s 2022 article appearing in the Journal of Financial Planning, which points out that rising rates of inflation mean that bonds are providing negative real returns for retirees in need of safe cash flows.  That particular study found that post-retirement glide path choices that would have worked in the past, such as a 20 percent-80 percent stock-bond mix and a four percent withdrawal rate over 30 years, are no longer safe investment choices in the current environment.  

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