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


Will the Current European Economy Affect Your Investment Portfolio?

European Economy

Collectively, the European Union (EU) has the largest economy in the world as measured by gross domestic product (GDP). Last year the total value of all goods and services produced within the 28-member EU totaled 14.3 trillion euros, according to the International Monetary Fund.[1] But the European economy has been languishing, and due to its… 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


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


6 Reasons Why You Don’t Want to Invest Like a Professional Trader

Stock market analysis

Kateri Young

As everyone with a computer knows, the web is shoulder-deep in brokerages, services, and publications that promise to help you invest just like the pros. That’s no surprise. It’s a logical step in the democratization of information. On a technological landscape where anybody can become a self-made journalist, filmmaker, or detective, what’s stopping anyone from… 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


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