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Folio Investing Blog

Investment Insights for the Self-Reliant Investor

The Challenge of Long-Term Income: Part II

In Part I of this article, I explained why I have issues with the traditional idea that individuals should provide for their required level of retirement income (beyond what is provided by Social...

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401(k)s for the Self-Employed

Every once in a while, I receive a stack of paper in the mail from Vanguard addressed to “Plan Administrator,” which gives me an undeserved sense of self-importance.

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The Golden Rule of Investing

The Golden Rule of Investing is simply, “Save as much as you can as early as you can.” The operative word is early. William J. Bernstein lays it out in stark language in his book, “The Investor’s...

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The Challenge of Long-Term Income: Part I

Portfolio Income: The Trouble With Treasury Bonds

The current economic environment is making it very hard for investors to generate reasonable levels of income through traditional means such as...

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Sector Watch: Spotlight on Utilities

Utility companies are expected to provide fairly stable performance, without too much downside risk.  Utilities are also typically expected to provide lower average returns than the broader...

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Tax Loss Harvesting: Five Tips to Keep More of What’s Yours

It’s impossible to reliably predict future changes within the investment markets, however there are numerous ways for investors to favorably influence their own results. Important areas to focus...

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Financial Products are Sold, Not Bought

Critics of the financial services industry (often with good reason) frequently remind consumers that financial products are typically “sold” rather than “bought” and implore them not to fall into...

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The End of ‘The Cult of Equity’?

One of the defining features of the last twenty years has been a persistent and fairly continuous belief that investing in the stock market was something of a sure road to wealth.  The downturns...

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The Power of Effective Diversification: Part II

Last week, I posted an article discussing how diversification is one of the most misunderstood concepts in investing. In today’s post I continue with the second half of this two-part series...

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Tax Loss Harvesting: Share Your Pain with Uncle Sam

Summer is winding down. And believe it or not, 2012 is more than half way over, which means it’s a good time for investors to start thinking about the year-end tax implications of their portfolios.

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