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


What to Do with Your 401(k): Managing Your Post-Retirement Assets

What to do with your old 401k

-+*It can be staggering to consider how much Baby Boomers have accomplished. The Boomer generation changed American politics through their passion, altered our perception of the environment through their activism, and changed popular music forever through their tastes. After a lifetime of work, retirement is approaching and there are often financial decisions to be made…. 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


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


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


Are My Investment Decisions Tax Efficient?

Close up Business background

Geoff Considine

-+*This is the eighth installment in our series on how individual investors can assess their financial health With investment gains, as with other types of income, it’s not how much you make that ultimately matters, but how much you keep.   In other words, you only get to spend what’s left after you pay taxes. There… Read More


Am I Effectively Diversified?

istock_000001756684large

Geoff Considine

-+*This is the sixth installment in our series on how individual investors can assess their financial health. Diversification is a perennial topic among investors, and if it seems controversial at times, that may be due to the fact that people don’t always share the same understanding of what it means. But diversification isn’t about investing… Read More


More Unconventional Failure

Rick Ferri

-+*Unconventional success from an investment strategy leads to failure for most investors. The excess gains earned by the early adopters of a new investment idea quickly dissipate as growing crowds become increasingly unsophisticated and push down returns. It doesn’t take long before the average return from the strategy falls well below a simple portfolio of… Read More


REIT Yield as a Predictor of Future Returns

Geoff Considine

-+*The yield of an asset is a key component of predicting future returns.  This is true for the yield on Treasury bonds as well as the dividend yield for stock indexes.  The yield on aggregate bond indexes is considered a good proxy for future expected returns.  The dividend yield of broad stock indexes has been… Read More