Long-Term Investing: Avoiding the Urge to Trade

Diversification and Long-Term Investing can help you achieve investment success

It’s easy to talk about ignoring short-term market events and to recommend focusing your attention on the market’s long history of positive returns. It’s another thing entirely to sit through the daily volatility of the market, watching your account values jump around, without succumbing to the temptation to trade your portfolio holdings. The urge to… Read More


The Volatility of Volatility: What You Need to Know About the VIX

Volatility and its long-term effect on your investment portfolio

Volatility is often perceived by investors as a negative. No one likes to think about the likelihood that their stock prices will move in the wrong direction. And a high level of volatility can act as an impediment to successful investing, especially when it causes people to make irrational portfolio decisions based on short-term events…. Read More


3 Insights into the Millennial Investor

Millennial Investors and their Investing Strategies

Generation Y—also known as the Millennial Generation—refers to the population segment born between the early 1980s and late 1990s. Like most generational cadres, this demographic tends to have a different set of values and preferences than its predecessors, and research[1] indicates that these differences become especially clear when it comes to investing. Already, several themes… Read More


Oil, Markets, Volatility

Oil, Markets, Volatility

David R. Kotok

Sharply lower oil prices have occasioned a huge discussion about their impact. We see it play out daily in newspapers, on TV and radio, at websites, on blogs, and in market letters. The range of forecasts runs from one extreme to another. On one side, pundits predict a recession resulting from a US energy sector… Read More


Saving Through the Ages

Saving through the ages

Matthew Amster-Burton

Reputable financial advisors, websites and your mom say to save for retirement, college, a down payment for a home and emergencies. A typical response might be, “Yeah, but how much?” and “When?” Libraries of books have been written on this subject. The implication is that determining your proper savings rate involves solving differential equations, brushing up… Read More


Is My Portfolio at the Right Risk Level?

Return and risk balance concept

Geoff Considine

This is the fifth installment in our series on how individual investors can assess their financial health. At every stage of investing, you should periodically ask yourself how much risk you can realistically tolerate. The primary way to measure the risk level of your portfolio is to look at its allocation of stocks vs. bonds. … Read More


Am I Better Off Investing or Paying Down Debt?

paying-bills

Geoff Considine

This is the fourth installment in our series on how individual investors can assess their financial health. A common dilemma in personal finance is whether to use funds to pay down debt faster or to invest more. The question crops up in various forms: Should I pay off all credit card debt or make smaller… Read More


Am I Saving Enough to Reach My Goals?

Businessman using tablet computer

Geoff Considine

This is the second installment in our series on how individual investors can assess their financial health. The starting point for any discussion of a household’s financial health is to evaluate current savings and savings rates in the context of financial goals.  The three largest expenses that most families will face are buying a home,… Read More


How Am I Doing? An 8-Point Financial Checklist

investment-performance

Geoff Considine

A question that nags at many people is whether they are on track financially.  Even an average financial life can seem remarkably complex.  How does anyone know whether he or she is doing the right things?  A range of studies on how people manage their money suggests that many, if not the majority, are making… Read More