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Tag: Investment Decisions

Fixed Income Investing in an Era of Rising Interest Rates

Posted on: March 29, 2018| Behavioral Finance, Investment Decisions,

Let’s talk about bonds for a minute. Occasionally, we get asked about what the future prospects are for bond investors. Sometimes with the implication being: “Should I be invested in bonds at all?” For the past decade, we’ve lived in a very low interest rate environment, relative to historical averages. (Click charts below to enlarge) […]

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Recent Market Volatility

Posted on: February 9, 2018| Behavioral Finance, Investment Decisions,

It’s been grizzly out there. Times like these give me a chance to share my absolute favorite quote about markets. From Bill Bernstein’s book, he recalls how investor Ralph Wagoner explained markets: “He likens the market to an excitable dog on a rather long leash in New York City, darting randomly in every direction. The […]

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It’s Required Minimum Distribution Season

Posted on: December 18, 2017| Investment Decisions, Tax Efficiency,

It’s Required Minimum Distribution (RMD) season (or Minimum Required Distribution – MRD, same thing). Beginning the year an individual turns 70 ½ mandatory distributions from certain tax-deferred retirement accounts must begin. Each year, the amount required to be distributed increases as a percentage of a retirement account’s balance. This percentage starts out small – about […]

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What to Make of Bitcoin From an Investment Perspective

Posted on: September 10, 2017| Current Events, Investment Decisions,

Bitcoin is has been in the news a lot recently. As of August 24th, the price of ‘physical’ Bitcoin had increased by 336%, year-to-date. Of course, as anyone who has looked into purchasing direct Bitcoin already knows, the process of “investing” in Bitcoin is rather complicated and poses a litany of unique risks. However, the […]

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Morningstar Star Ratings – What is a Five-Star Fund?

Posted on: March 9, 2017| Behavioral Finance, Investment Decisions,

I had an interesting conversation with someone who was asking about the mutual funds we employ. Specifically, he asked if we use “Five-star mutual funds”. I probably shouldn’t have been surprised, based on how ubiquitous Morningstar is for investment research, but I had never been asked about Morningstar Star Ratings before. In the world of […]

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Conversation Starter – World Market Cap

Posted on: February 23, 2017| Investment Decisions,

I often come across interesting images or thought-provoking data that I want to share with our community, but may not dictate 1,000+ words on the subject. Today, I want to launch a new series that explores these fun-facts in more bite-sized pieces. Click the image above for an expanded view. How do we measure the […]

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The Your Age in Bonds Rule for Portfolio Allocation Might Be Hurting Your Retirement

Posted on: February 16, 2017| Behavioral Finance, Investment Decisions,

Rules of thumb are common in the investment world. There’s the “rule of 72”, which gives us an idea of how often money will double. The safe retirement withdrawal rate lets us know how much we can “safely” draw from retirement portfolios without significant risk of long-term depletion. Finally, there is the your age in […]

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The Dow at 20,000 – The Dow is a Bad Index

Posted on: February 2, 2017| Current Events, Investment Decisions,

Last week, the Dow Jones Industrial Average (“The Dow”) cracked the 20,000 point mark. It’s fun and exciting, and it’s seemingly and indication that the stock markets and economy are doing well. Or at least that’s what financial media purports. So, what does the Dow reaching this level actually mean? Well, in truth, very little. […]

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Teaching Kids How To Invest

Posted on: January 19, 2017| Investment Decisions,

According to Gallup poll conducted in late 2015, most people are financially illiterate. The majority of us received no formal education in personal finance during school. We were just expected to figure it out once we entered the real world. Today, many schools are beginning to include personal finance classes as a part of the […]

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Prediction Season – Navigating the Tips and Recommendations

Posted on: December 8, 2016| Current Events, Investment Decisions,

Prediction season is upon us. Towards the end of each calendar year, financial news outlets bring all sorts of voices to our TVs and radios to make predictions of what’s to come next year. In the coming weeks, you will see all manner of assertions and guarantees. Some will emphatically tell you to invest in […]

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