Retirement Income and Systematic Withdrawals

Retirement Income and Systematic Withdrawals

+-*There’s no shortage of articles about the process of accumulating wealth. We spend our working years deferring part of our incomes into retirement plans and establishing various investment strategies to grow and protect our assets. However, there’s less discussion about the process of distributing our money back out to ourselves in the most effective way… Read More


7 Big Ideas for Getting the Most Out of Your Tax Refund

What to do with your tax refund

+-*According to the most recent IRS data, the average income tax refund is just over $3,000. Not bad. Too often, though, what seems like a nice fat windfall disappears faster than expected. But squirreling it away into a savings account at today’s interest rates will earn you nothing. You work hard for your money. Is… 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


How a Personal Financial Statement Can Guide Your Investment Goals

Personal Financial Statement

+-*As investors, we plan for goals such as retirement, funding college for our children, and perhaps even supporting our parents as they get older. In the financial planning process, there are worksheets we can create and update, which may help us map out the best path towards financial goals and track the progress we’re making… Read More


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


First Fed Hike & Stock Market

Hot Orange Interest Rate Border

David R. Kotok

+-*There has been a lot of discussion about the Federal Reserve (Fed) and when it will move its interest rate to something higher than the present 0 to 0.25%. The Fed has been at the zero bound for years. My friend Jeff Saut at Raymond James noted that there are people who have been in… Read More


Investing: What the heck is a Larry Portfolio?

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Matthew Amster-Burton

+-*Recently, I wrote a three-part series on how to start investing. Today, I want to look at an advanced topic. Generally, I avoid advanced topics in investing, for two reasons: Most people don’t even have a grasp of beginner-level investing yet. The vast majority of “advanced” investing techniques can’t beat a simple, diversified portfolio over time…. Read More


Goodhart’s Law

Where will the market go next?

Leo Chen

+-*Goodhart’s Law: When a measure becomes a target, it ceases to be a good measure. Charles Goodhart When it was first introduced in 1975, Goodhart’s Law focused mainly on social and economic measures. Since then, many financial market indicators have lost their forecasting power and succumbed to Goodhart’s Law. Nevertheless, Goodhart’s Law in no way… 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