Blog Posts
Up is Up
The stock market is running. The economy ... not so much. So what is going on? A quote I wrote down months ago (but not the author). It sums it up: “we expect robust flows ... to dominate fundamentals.” In a perfect world one invests in the stocks of well-managed...
Misperceptions of Risk
Below is the outline of a recent talk given by Nick Murray. For those unfamiliar with his message, it is one of extreme optimism. He is renowned within the industry for his ability to look past all the noise and point out the truths of why now is the best time to...
Indexing Strategy Will Work… Until It Doesn’t
Indexing is all the rage these days. Investors are realizing that they are paying a lot of fees to fund companies to provide average rates of return (below average in some cases). They’ve done the math and see that they can do better by investing in cheap no load ETFs...
Social Security Strategies
If you are retiring soon, don’t expect the Social Security Administration (SSA) to give you the best advice on how to start collecting your benefits. In fact, they have been known to give out poor advice. I recently heard a story of the SSA sending a letter to a 65...
Tweaking a Buy and Hold Strategy
One of the most common investment strategies is called “Buy and Hold”, which usually consists of mutual funds or other securities held for the long term and rebalanced occasionally. These funds are held during the best and worst performing years. The theory is that...
Finding a Trend in Emerging Market Equities
In reviewing asset class trends for The Active Asset Allocation Portfolio, I saw a divergence of two asset classes - emerging markets and developed markets. I wanted to explore why this is happening. We find this to be a rather unique situation, as emerging markets...
Our Take on the “4% Rule” for Retirement Withdrawal
Many advisors tell their clients, as a rule of thumb, a client can withdraw about 4% of their portfolio each year, without it affecting the principal. We have been telling our clients this for years. In fact, this rule of thumb dates back a few decades and was...
Is There Growing Optimism in US Economy?
For the last few weeks, we've all been distracted with important issues. To name a few, completing tax returns, listening to the debate on guns, and following the news on the rising tensions in North Korea. If you think back, you may have missed a headline about the...
Recap of a Letter Written Before the Election
The following comment was included in the newsletter we sent to our clients at the end of September. It was written during a period where many were unsure how the election would affect their portfolio. “It's actually been a pretty good year for most investors. So here...
Trend Updates
The Active Asset Allocation Portfolio utilizes a trend following strategy by buying and selling securities based on established price trends in each asset class, which is determined by comparing the current price with the 200 day simple moving average. Below is a...
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