Interest rates will likely stay low for the foreseeable future. While this is beneficial to many as they borrow money for business expansion, or personally to purchase a car or home, these low rates have hurt people who are saving in banks. We encourage all of our clients to have a cash reserve … [Read more...] about Max My Interest – generating more interest from cash reserves
The first decade of the 21st century, and the second one that recently ended, have reinforced for investors some timeless market lessons: Returns can vary sharply from one period to another. Holding a broadly diversified portfolio can help smooth out the swings. And focusing on known drivers of … [Read more...] about A Tale of Two Decades: Lessons for Long‑Term Investors
Diversification has been called the only free lunch in investing. This idea is based on research showing that diversification, through a combination of assets like stocks and bonds, could reduce volatility without reducing expected return or increase expected return without increasing volatility … [Read more...] about Alternative Reality – Do Alternatives help investors?
This guest post was written by David Booth, Executive Chairman and Founder of Dimensional Fund Advisors. David discusses the lessons from 2019 that investors can apply to … [Read more...] about The Market Has No Memory
Research has shown no reliable way to predict the top‑performing stocks, arguing for diversification instead. The stocks commonly referred to by the FAANG moniker— Facebook, Amazon, Apple, Netflix, and Google (now trading as Alphabet)—have posted impressive gains through the years, with all now … [Read more...] about How Markets Work and the FAANG Mentality
New Decade - New Tax Law. Once again, Congress passed a major piece of legislation as they headed out the door for the Holiday last month. Congress passed "The Setting Every Community Up for Retirement Enhancement Act", better known as the SECURE Act. The SECURE Act -- the most impactful … [Read more...] about SECURE ACT – New Tax Law changes