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Total: 45 results found.

A Focus on Fixed-Income

Created on Thursday, 24 May 2018. Posted in Content/our blog

... or bond funds can smooth out that bumpy ride and serve as a safety net against market risks. They can also contribute modestly to a portfolio’s overall expected returns, though that is not their primary ...

Eight Tips for Navigating Market Downturns

Created on Monday, 02 April 2018. Posted in Content/our blog

... globally diversified to dampen the risks involved, and sensibly executed with low-cost funds managed in an evidence-based manner. What if you've not yet made these sorts of plans or established this kind ...

Is it Time to Rebalance Your Portfolio?

Created on Thursday, 01 March 2018. Posted in Content/our blog

... market shifts mean you're now taking on higher or lower risks and expected rewards than you intended. Unless your plans have changed, your portfolio needs some attention. This is what rebalancing is for: ...

2018 Financial Best Practices

Created on Monday, 29 January 2018. Posted in Content/our blog

... goals and risk tolerances? If you experienced strong growth in 2017, is it time to lock in some of those gains by rebalancing your portfolio to its original mix? While investment management is a marathon ...

ABCs of Behavioral Biases: The Last Word

Created on Thursday, 28 December 2017. Posted in Content/our blog

... increase your exposure to unnecessary market risks. Fear Financial fear is that “Get me out, NOW” panic we feel whenever the markets turn brutal. “We'd never buy a shirt for full ...

ABCs of Behavioral Biases: O to T

Created on Thursday, 28 December 2017. Posted in Content/our blog

... presenting financial numbers in red instead of black can make investors more fearful and risk-averse. That's a powerful illustration of how pattern recognition can influence us – even if the so-called ...

ABCs of Behavioral Biases: H to O

Created on Tuesday, 28 November 2017. Posted in Content/our blog

... of market risks and rewards. Hindsight bias is undesirable because it means you're assessing your decisions based on the outcome, not whether the process was sound or not. If a high-risk investment happens ...

ABCs of Behavioral Biases: F to H

Created on Tuesday, 28 November 2017. Posted in Content/our blog

... for memorable risks, such as a flash crash, while ignoring subtle ones that can be just as harmful or much easier to prevent, such as inflation's erosion of your spending power over time. Framing Framing ...

ABCs of Behavioral Biases: A to F

Created on Thursday, 26 October 2017. Posted in Content/our blog

... market returns while managing the risks involved. Yet studies like this one have shown investors often instead overweight their allocations to familiar vs. foreign investments. We instinctively assume ...

The ABCs of Behavioral Biases

Created on Wednesday, 25 October 2017. Posted in Content/our blog

... risks that are expected to generate our greatest rewards. All the while, we rush into nearly every move, only to fret and regret them long after the deed is done. Why do we have behavioral biases? Most ...

Market Correction

Created on Wednesday, 20 September 2017. Posted in Content/our blog

... may not occur, here are some great questions to consider: Market Returns. Are you taking on enough stock market risk in your portfolio to capture a measure of expected returns when they occur (often ...

Building a Healthy Relationship with Investment Risk

Created on Tuesday, 15 August 2017. Posted in Content/our blog

Whether it's saber rattling from North Korea, a possible U.S.-China trade war, or uncertainty about taxes and health care policy emanating from Washington, there is plenty of risk to go around in our world. ...

Evidence-Based Investors Approach Investing Differently

Created on Monday, 31 July 2017. Posted in Content/our blog

... evidence, personal goals and individual risk tolerances. These approaches differ in critical details. For starters, each side sees the future differently. Traditional active investors believe they can ...

The Importance of Rebalancing

Created on Friday, 11 November 2016. Posted in Content/our blog

... asset allocation is a good first step. How you allocate your assets is a very personal decision that will depend largely on your age, tolerance for risk and investment goals. For instance, someone nearing ...

Cashing Out Is Not a Cash Cow

Created on Thursday, 13 October 2016. Posted in Content/our blog

... often fail miserably when trying their hand at market timing. So, by cashing out, you take on the new risk of earning a substantially lower return. The more often you switch in and out of cash, the more ...

With Investing, the Best Recipe is to Put Politics Aside

Created on Friday, 09 September 2016. Posted in Content/our blog

... might never come to fruition. Consequently, retooling your investment strategy based on what may or may not happen months down the road is a risky move. Certainly there are those who will have you believe, ...

Your Portfolio’s Secret Weapon

Created on Thursday, 18 February 2016. Posted in Content/our blog

The stock market hasn't been a happy place so far in 2016. But for long-term investors, the real risk right now is losing sight of the big picture and making counter-productive short-term decisions. So ...

Our 2016 Prediction: Market Predictions Will Err

Created on Tuesday, 19 January 2016. Posted in Content/our blog

... portfolio customized to your goals, risk tolerance and time horizon, re-balance periodically, and remain disciplined and patient while the market does its work. For more insight into our investing philosophy, ...

Turning Investment Losses Into Gains

Created on Friday, 11 December 2015. Posted in Content/our blog

... for a loss and then buying it or a very similar investment back within 30 days. The Align team regularly rebalances our clients' portfolios to make sure they remain in line with your goals, risk tolerance ...

Bringing the Evidence Home

Created on Tuesday, 20 October 2015. Posted in Content/our blog

... most important allies. To begin with, spreading your assets around dampens unnecessary risks while potentially improving overall expected returns. Managing the Market's Risky Business. All risks are ...

Don’t Sweat The Stock Market’s Volatility

Created on Friday, 04 September 2015. Posted in Content/our blog

... do a better job of protecting your capital and safely growing it than is typically possible through short-term investing. In fact, the biggest risk to investors during corrections is their own behavior. ...

Behavioral Biases: What Makes Your Brain Trick?

Created on Monday, 17 August 2015. Posted in Content/our blog

... afoot and rush to join the stampede. The herd may be hurtling toward what seems like a hot buying opportunity, such as a "next big thing" stock. Or it may be fleeing a perceived risk, such as a country ...

What Has Evidence-Based Investing Done for Me Lately?

Created on Wednesday, 10 June 2015. Posted in Content/our blog

... are term and credit. These factors have formed the backbone of evidence-based portfolio construction, helping investors strike the most effective balance between return and risk. Continued research has ...

Factors That Figure in Your Evidence-Based Portfolio

Created on Tuesday, 12 May 2015. Posted in Content/our blog

... fade quickly? One explanation is related to risk. Persistent premium returns often seem to be due to the acceptance of market risk in exchange for expected reward. For example, it's presumed that value ...

The Essence of Evidence-Based Investing

Created on Monday, 06 April 2015. Posted in Content/our blog

In our most recent blog, "What Drives Market Returns?" we explored how markets deliver wealth to those who invest their financial capital in human enterprise. But, as with any risky venture, there are ...

What Drives Market Returns?

Created on Tuesday, 10 March 2015. Posted in Content/our blog

In last month's blog, "Get Along, Little Market," we discussed the benefits of diversifying your investments to minimize avoidable risks, manage those that are unavoidable when we're seeking market gains, ...

Get Along, Little Market

Created on Tuesday, 17 February 2015. Posted in Content/our blog

As we discussed in our previous blog, “Managing the Market’s Risky Business,” properly diversifying your investment portfolio helps to minimize unnecessary risks and better manage those that remain. But ...

Managing the Market’s Risky Business

Created on Friday, 09 January 2015. Posted in Content/our blog

... low-cost exposure to a variety of capital markets around the globe. Today, we'll expand on the benefits of diversification, beginning with its ability to help you better manage investment risks. Most ...

The Full-Meal Deal of Diversification

Created on Wednesday, 03 December 2014. Posted in Content/our blog

... helping you to simultaneously lower investment risks and potentially improve your returns. While they may seem almost magical, the powers of diversification have been well documented and widely explained ...

Financial Gurus and Other Unicorns

Created on Tuesday, 04 November 2014. Posted in Content/our blog

... the latest market tips or should you pursue a strategy of capturing market returns with the least amount of risk, cost and tax? Unfortunately, there is little credible evidence that hiring a stock picker/market ...