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


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


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 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


Investing Implications of Trends in Household Wealth

Geoff Considine

-+*Shifting Wealth A new study released by the Russell Sage Foundation analyzes trends in household wealth over the last twenty years, with a focus on the years surrounding the ‘great recession’ of 2008.  The study examines changes in household net worth for the median household, as well as for the 95th percentile of households by… Read More


Low Beta Market Sectors

Geoff Considine

-+*With U.S. equity markets near their record highs and a bull market run that is starting its sixth year, the potential for a correction is a growing concern.  In addition, U.S. equity prices look fairly high when viewed in terms of the PE10 ratio.  Another factor that concerns some market watchers is that volatility (as… Read More


REITs and the Rally of 2014

Geoff Considine

-+*There have been a number of surprises for investors in 2014.  Bonds have markedly out-performed stocks for the year-to-date.  The S&P500 is up 2.4% since the start of 2014, as compared to the Barclays Aggregate Bond Index, which is up by 3.5%.  Even more striking, the iShares 20+ Year Treasury Bond ETF (TLT) is up… Read More


Is Twitter the Canary in the Coal Mine?

Geoff Considine

-+*Investors are shrugging off the suggestion that stocks are over-valued or that the technology innovators are a one-way path to riches if the year-to-date performance of Tesla Motors (TSLA) and Facebook (FB) are any indication. Twitter’s stock (TWTR), which soared from a $45 closing price on its first day of trading (November 7, 2013) to… Read More