How Baby Boomers May Impact Asset Classes and Investment Vehicles in the Future

Baby Boomers

*+-Some investors may be wondering how the aging baby boomer generation—many of whom are at or near their retirement age—might impact the investment landscape in the future. Baby boomers control a lot of wealth in this country and the decisions they make regarding that wealth may significantly affect certain asset classes and market sectors. The… Read More


Am I Effectively Diversified?

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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


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


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


What Happens in A Nation of Renters?

Geoff Considine

*+-Time magazine has a new article on changes in the home ownership in America.  The article, titled A Nation of Renters: Should We Be Worried That Fewer Americans Own Homes?, explores the substantial decline in the fraction of Americans who own their own homes.  I have followed this issue for quite some time and the… Read More


What Are the Core Asset Classes for Income Portfolios?

Geoff Considine

*+-In a recent post, I presented a list of the ‘core asset classes’ that investors need in order to build portfolios that fully exploit available diversification opportunities.  That article focused on portfolios designed for total return potential, the combined return from price appreciation and income generated by the assets in the portfolio.  For investors focusing… Read More


Sector Watch: Retail REITs

Geoff Considine

*+-Real Estate Investment Trusts (REITs) are companies that own and, typically, manage real estate investments to generate income.  REITs may also invest in mortgage securities (these are called mortgage REITs or mREITs).  REITs may specialize in specific types of properties.  The Folio Investing Retail REIT Folio holds equal-weight allocations to the largest publicly-listed REITs that… Read More


Saving and Investing for Retirement: Part Four

Geoff Considine

*+-Generating Income: Part Four of Our Special Five-Part Series During their working years, investors focus on saving and investing with a goal of building wealth.  As they enter retirement, either by ceasing paid employment entirely or by scaling back paid employment, investors shift their focus to using their portfolios to provide a reliable long-term stream… Read More