Lifecycle investing a new, safe, and audacious way to improve the performance of your retirement portfolio

CONTENTS
Introduction
	Diversifying Time
	The Free Lunch
	Two Cheers for Home Ownership
	Our Plan
CHAPTER 1 A Leap of Faith
	Gambling His Retirement?
	Total Dollar Years
	Use Leverage
	(Dis)counting Your Chickens Before They Hatch
	Discounting Your Income
	The Status Quo
	Beating the Status Quo
CHAPTER 2 The Plan
	The Cookie Jar
	Two Numbers
	Three Phases
	Social Security
	Why Stop at 2:1?
CHAPTER 3 Historical Performance
	Eureka
	Less Risk or More Return
	Show Me the Money
	The Crash
	The Dominance of Leverage
	Social Security
	Conclusions
CHAPTER 4 What If . . .
	It’s a Wonderful Stock Market
	The FTSE and the Nikkei
	Pessimists Should Still Start Out Leveraged
	A Meaner Mean
	Fat Tail Fears
	But Is Now the Right Time?
	To P/E or Not to P/E
CHAPTER 5 Starting and Stopping
	Starting Late
	Starting Early
	Ramping Up for Retirement
CHAPTER 6 Contraindications
	Not Having Credit Card Debt: Priceless
	Minimum Investments
	Matching 401(k) Plans
	Saving for College (and a Rainy Day)
	Wall Street Is Close to Home
	Once Burned, Twice Shy
	Conflicting Advice
CHAPTER 7 What’s Your Share?
	One Cheer for RRAs
	Inside (Wire) Job
	How Much Is Enough?
	Will I Have Enough?
	What Is My Income Stream?
CHAPTER 8 The Mechanics
	401(k), 403(b), and 457 Plans
	IRA
	How to Find an Option with 2:1 Leverage
	What Is the Cost of Borrowing?
	Another Approach
	Investing with ProFunds UltraBull
	Rebalancing
	Buying Stock on Margin
	Buying Bonds
CHAPTER 9 What If Everyone Did It?
	A History of Housing Leverage
	Back to the Future
	Diversification Is Dangerous
	The Future Regulation of Asset Diversification
	The Goal Line