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Folio Investing Blog

Investment Insights for the Self-Reliant Investor

Are 401(k) Fees Consuming 30% of Our Lifetime Savings?

There is a story getting considerable coverage this week about a study that finds that an average family may end up having 30% less in total lifetime accumulated wealth in their 401(k) plans due...

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Are We Hard-Wired To Make Bad Financial Choices?

Proper financial planning that provides for our financial needs in retirement is perhaps the prototypical example of willful blindness. We all know that most people have not saved enough to...

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Sell in May? 9 Trillion Reasons to Say "No"

The old adage “Sell in May and go away” was good guidance for stock markets last year.  The market peaked on April 29 and bottomed out on October 3.  For a detailed discussion of this period and...

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The Biggest Unknown in Financial Planning

In a recent blog post, I reviewed a new book on the future of the Equity Risk Premium (ERP).  For those who are not familiar with the ERP, it is the additional return that investors expect to...

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Should You Invest In an Initial Public Offering?

Facebook recently filed for an initial public offering (IPO) to raise $5 billion in its IPO, putting its total valuation at $100 billion. Many investors, both institutional and individual, are...

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The Big Retirement Shift: From Saving Up to Drawing Down

The financial services industry is in a period of substantial change.  Low interest rates, new regulations and additional scrutiny are changing the landscape.  Perhaps the biggest change is the...

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Retirement: Demographics and Destiny

In a recent interview in The Wall Street Journal titled "Bad New for Boomers," Rob Arnott presents a fairly grim view of the retirement income that investors can expect to generate from their...

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Calculating the Cost of a College Education

I recently came across a calculator developed by Morningstar to help families estimate future college costs and to determine whether they are on track with saving to meet the future costs of...

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Dividend Stocks vs. Bonds: Are They Worth the Risk?

One of the recurring themes in the financial press in recent years is a warning to income-oriented investors not to pile into dividend-paying stocks to boost portfolio income. The Wall Street...

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The Disappearing Retirement

Well-known financial columnist Robert Powell has a recent article in MarketWatch titled, “Retirement in America is ‘Endangered." The motivation for this piece, he writes, is that retirement...

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