How Bond Market Investors Cope in a Low-Rate Environment

Bonds

-+*It’s understandable that bond market investors might be frustrated at this point in time. Most already have lower total return expectations than stock market investors, which they accept in exchange for lower overall levels of risk and regular interest payments. However, the total return expectations within the bond market have become so low that investors… Read More


What to Consider When Creating a Diversified Investment Portfolio

diversified portfolio

-+*Building an investment portfolio is a very personal process. Before jumping into a variety of different asset classes and market sectors, you need to first determine your overall goals and your tolerance for risk. Are you saving to buy a house in three years, or for retirement that may be twenty years down the road?… Read More


Robo Advisor Performance: Beware Hypothetical Returns

Beware Robo Advisor's Back-tested Performance

Geoff Considine

-+*Robo advisors have been getting a great deal of press and the rate at which they are attracting new clients and growing assets under management is impressive.  One topic that I have seen nothing written about is how these firms show the historical performance of their strategies to potential investors. When you look at a… Read More


A Primer on Portfolio Rebalancing

A Primer on Rebalancing

-+*If you’re a successful long-term investor, you take great care in aligning your investments to an asset allocation that’s appropriate for your goals. Shouldn’t you care just as much about keeping that asset allocation on target? The “buy and hold” approach to investing appeals to many, and for some good reasons. But the fact is,… Read More


Folio Investing, Motif, and Tailored Portfolios

Geoff Considine

-+*Chris DeMuth, a money manager and well-followed contributor at Seeking Alpha, recently published an overview of Motif Investing. Motif is a young firm that has gotten a lot of media coverage for enabling investors to build, track, invest in, and manage portfolios of individual stocks. Much of the functionality that Motif provides to individual investors… Read More


How Baby Boomers May Impact Asset Classes and Investment Vehicles in the Future

Baby Boomers

-+*Some investors may be wondering how the aging baby boomer generation—many of whom are at or near their retirement age—might impact the investment landscape in the future. Baby boomers control a lot of wealth in this country and the decisions they make regarding that wealth may significantly affect certain asset classes and market sectors. The… Read More


The Decline of Pensions Leads to Greater Reliance on IRAs and 401(k)s

Pension Plan

-+*Over the last several decades, there’s been a gradual decline of pension plan availability in the United States. There was a time when people worked longer and collected less in overall pension benefits due to shorter life expectancies. Pension benefits paid over 5 or 10 years to a loyal employee who put in 30 years of service didn’t… Read More


Retirement Income and Systematic Withdrawals

Retirement Income and Systematic Withdrawals

-+*There’s no shortage of articles about the process of accumulating wealth. We spend our working years deferring part of our incomes into retirement plans and establishing various investment strategies to grow and protect our assets. However, there’s less discussion about the process of distributing our money back out to ourselves in the most effective way… Read More


Socially Responsible Investing Going Forward

Socially Responsible Investing

-+*If you’re one of the growing number of people who expect their investment dollars to make the world better and not worse, you’re already involved in socially responsible investing (SRI). The term covers a lot of territory, but it often focuses on one or several of the following factors: environmental awareness, consumer protection, product safety,… Read More


The Intricacies of International Investing

The Intricacies of International Investing

-+*When aiming to create a diversified portfolio, many investors assume that international exposure is a necessary component. This makes sense, considering that roughly half of global stock market value is based inside the United States while the other half is generated abroad. International investing is important for some, particularly larger investors with long time horizons… Read More