The Golden Rule of Investing

Lowell Herr

The Golden Rule of Investing is simply, “Save as much as you can as early as you can.” The operative word is early. William J. Bernstein lays it out in stark language in his book, “The Investor’s Manifesto“ when he writes, “Each dollar you do not save at 25 will mean two inflation-adjusted dollars that… Read More


The Challenge of Long-Term Income: Part I

Geoff Considine

Portfolio Income: The Trouble With Treasury Bonds The current economic environment is making it very hard for investors to generate reasonable levels of income through traditional means such as bond ladders.  While it is always dangerous to suggest that ‘it’s different this time,’ I believe that we are facing some unprecedented conditions that require new… Read More


Sector Watch: Spotlight on Utilities

Geoff Considine

Utility companies are expected to provide fairly stable performance, without too much downside risk.  Utilities are also typically expected to provide lower average returns than the broader market.  In the last decade, however, utilities have out-performed the broader stock market as investors have become increasingly risk-averse and worried about the prospects for sectors that depend… Read More


Tax Loss Harvesting: Five Tips to Keep More of What’s Yours

Steve Thorpe

It’s impossible to reliably predict future changes within the investment markets, however there are numerous ways for investors to favorably influence their own results. Important areas to focus on include developing an investment plan, saving regularly, diversifying widely, adhering to an appropriate asset allocation, and paying attention to all forms of costs – including taxes…. Read More


Financial Products are Sold, Not Bought

Robert P. Seawright

Critics of the financial services industry (often with good reason) frequently remind consumers that financial products are typically “sold” rather than “bought” and implore them not to fall into that trap.  The concept here is that financial products are “sold” — pushed upon a consuming public that doesn’t understand them or perhaps even want or need them.  Instead,… Read More


The End of ‘The Cult of Equity’?

Geoff Considine

One of the defining features of the last twenty years has been a persistent and fairly continuous belief that investing in the stock market was something of a sure road to wealth.  The downturns in the stock market in the aftermath of the Tech bubble and, more recently, in the financial crisis, have shaken investors’… Read More


The Power of Effective Diversification: Part II

Geoff Considine

Last week, I posted an article discussing how diversification is one of the most misunderstood concepts in investing. In today’s post I continue with the second half of this two-part series titled, “The Power of Effective Diversification.” In Part I of this article, I discussed the difference between naive diversification (holding lots of stuff in a portfolio)… Read More


Tax Loss Harvesting: Share Your Pain with Uncle Sam

Steve Thorpe

Summer is winding down. And believe it or not, 2012 is more than half way over, which means it’s a good time for investors to start thinking about the year-end tax implications of their portfolios. We invited Steve Thorpe, Founder of Pragmatic Portfolios, LLC to share some insights on Tax Loss Harvesting. Enjoy. Tax Loss… Read More


Tried and True Money Advice from Warren Buffett

Janet Al-Saad

When it comes to financial wisdom, few people merit as much attention as Warren Buffett. The man renowned as the “Sage of Omaha” built a billion-dollar empire from scratch, all the while maintaining modest spending habits that are the envy of every frugal person everywhere. Liz Claman of the Fox Business Network spoke with Buffett… Read More


The Power of Effective Diversification

Geoff Considine

Diversification is one of the most misunderstood concepts in investing. If you read a good explanation of the strategy, you’ll learn that the goal of diversification is to combine different investments that tend not to be driven by the same factors in the economy. So when one investment lags, the others in the portfolio gain… Read More