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What’s a Decent ROI on Retirement Time?

Kiplinger's Personal Finance

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September 2025

IN DOING THE HARD WORK OF WRITING THIS column, I came to frame its evolving concept as: “French Cinema vs. the Trailer Park Boys.” The idea popped into my head during a conversation with my wife, Pam, about how much sense it makes to “invest” in certain activities in semi-retirement.

- BY BOB SIPCHEN

What’s a Decent ROI on Retirement Time?

Many readers are presumably rocketing toward or have matured beyond my age of 71, so you may not be familiar with the Trailer Park Boys oeuvre. The 12-season series’ intricate plot follows the fictional adventures of three foulmouthed, pot-smoking, petty criminals, one of whom is a shopping cart thief and repairman named “Bubbles,” in a Nova Scotia trailer park. I started watching the show in a gloomy phase of my life. It does not require the slightest investment of time or brainpower to appreciate its hilariousness.

The same cannot be said for, say, French director Louis Malle’s 1987 film Au Revoir Les Enfants, which I’ve been meaning to watch for years. Sadly, after investing mightily in learning French in college, the Spanish I’d labored to learn in junior high and high school flooded back into my brain, creating a new, blended language even I don’t understand.

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Kiplinger's Personal Finance

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Same Story, Different Year

WHAT does the Federal Reserve's rate-reduction initiative mean in the short run for your fixed-income holdings? You'll recall that one year ago, the Fed cut three times, starting by hacking its benchmark overnight funds rate by 0.50 percentage point in September. The year ended with bond markets and fund returns in retreat. It's wishful thinking that cheaper short-term credit and falling money market yields will spark a general bond-buying binge and propel your 2025 total returns toward 10% by year-end.

time to read

2 mins

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Kiplinger's Personal Finance

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WHEN HELPING MOM AND DAD HURTS YOUR WALLET

New research shows how assisting an aging parent with expenses can strain your own finances.

time to read

3 mins

December 2025

Kiplinger's Personal Finance

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Bipartisan collaboration on a mix of reforms will likely be needed to keep the system solvent and benefits intact.

time to read

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December 2025

Kiplinger's Personal Finance

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WHAT TO MAKE OF A HOT IPO MARKET

This year's crop of initial public offerings could be even dicier than usual because of a skew toward tech and crypto.

time to read

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December 2025

Kiplinger's Personal Finance

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In the early months of the year, travel demand dips-and so do prices.

time to read

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Kiplinger's Personal Finance

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Our picks deliver a diversified portfolio of dividend stocks.

time to read

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December 2025

Kiplinger's Personal Finance

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A long-expected decision from the Securities and Exchange Commission is close to being official, and it could mean more exchange-traded fund options for investors.

time to read

1 mins

December 2025

Kiplinger's Personal Finance

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CHECKING IN ON THE KIPLINGER DIVIDEND 15

Our favorite dividend payers have had a good year on average, beating the market and yielding twice as much.

time to read

14 mins

December 2025

Kiplinger's Personal Finance

THIS FUND FERRETS OUT HIGH-QUALITY STOCKS

THE U.S. stock market has been notching new highs, which tends to kick up the likelihood of a market pullback (defined as a drop of 5% to 10%) or even a correction (a 10% to 20% selloff). That's where JPMorgan U.S. Quality Factor comes in.

time to read

1 mins

December 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

New Ways to Use 529 Funds

Tax-free withdrawals from these plans could help you sharpen your job skills.

time to read

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December 2025

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