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Much academic and industry effort has been placed into how to meaningfully divide the equity markets in the US and other countries into parts which behave distinctly, cross-sectionally and over time. Fama and French (1998) were pioneers into dividing US equity markets by ranking on fundamental characteristics, finding important differences in high versus low-ranked stocks along ...

Retirement is fraught with uncertainty. Individuals approaching retirement face a variety of questions regarding their families, their health, and long-term market uncertainty. Financial planners must answer questions from clients seeking guidance and hoping to establish a secure financial cushion for their later years. One common question is, "how much do I need saved at retir ...