Richard Robinson, Ph.D., is a former college professor who spent more than a quarter century teaching students at several prestigious universities the finer points of finance, economics, and risk management. He helped develop CFA and CFP curricula still employed by several university programs. Richard holds a doctorate in the field of economics and is an expert in the area of free markets and the Austrian view of economics. In addition to his vast experience in the halls of academia, Dr. Robinson possesses a comprehensive background in the art of technical and fundamental investing. His vast expertise of investing techniques has helped guide investors through the maze of investment products from annuities to credit default swaps. He guides readers through the intricacies of value investing, dividend investing, options trading, and first stage investing.  The freedom derived from his previous endeavors has fostered a strong desire to build a legacy in helping others reach their financial goals through careful application of proven wealth building principles.

Analyst Articles

Retirees Have A Better Option For High Yields

Richard Robinson
October 26, 2016

Looking at his brokerage statement, Ira’s heart sinks. He once thought his savings were sufficient to last the rest of his life. But his retirement account balances have fallen to levels that make him nervous. He’s now thinking he may need to find part-time work. Ira isn’t alone. Many retirees struggle to generate enough income to pay their bills.   #-ad_banner-#The fault for this lies squarely with the Federal Reserve. Their zero interest-rate policy (ZIRP) has driven investors to lower yielding and higher risk investments. You see, interest rates have declined for more than three decades. But in the last… Read More

Looking at his brokerage statement, Ira’s heart sinks. He once thought his savings were sufficient to last the rest of his life. But his retirement account balances have fallen to levels that make him nervous. He’s now thinking he may need to find part-time work. Ira isn’t alone. Many retirees struggle to generate enough income to pay their bills.   #-ad_banner-#The fault for this lies squarely with the Federal Reserve. Their zero interest-rate policy (ZIRP) has driven investors to lower yielding and higher risk investments. You see, interest rates have declined for more than three decades. But in the last decade, they have been hammered. The long-term average return on 10-Year Treasuries is 6%. That generates about $600 in annual interest income on a $10,000 investment. But with the 10-Year currently yielding just 1.7%, seniors with the same investment today earn a mere $170 a year.   That’s a 72% decline in income. And it’s only going to get worse. The Fed is roughly 350 basis points behind their own schedule for where rates should be. It will take years to normalize rates from current levels, especially as rates in many places are negative. These Policies Have Hurt Retirees… Read More