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Total: 42 results found.

ABCs of Behavioral Biases: The Last Word

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

... past your System 1 thinking into more deliberate decision-making for your long-term goals. (On the flip side, financial providers who are themselves fixated on picking hot stocks or timing the market on ...

ABCs of Behavioral Biases: O to T

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

... to discount the market's many glittering distractions and focus on their long-term goals. Recency Recency causes you to pay more attention to your latest experiences, and to downplay long-term factors. ...

ABCs of Behavioral Biases: H to O

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

... abandoning our carefully planned course toward the likelihood of long-term returns. Mental Accounting If you've ever treated one dollar differently from another when assessing its worth, that's mental ...

ABCs of Behavioral Biases: F to H

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

... reaction to the random event that generated the excitement to begin with. Once the dust settles, those who have reacted to the near-term noise are usually the ones who end up overpaying for chasing or ...

The ABCs of Behavioral Biases

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

... constructed plan (with predetermined asset allocations that reflect your personal goals and risk tolerances), you'll stand a much better chance of overcoming the bias-driven distractions that rock your ...

Market Correction

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

... near-term forecasts. This includes prognostications of perceived volatility, or lack thereof. Instead, let's use the relative calm as a perfect time to do a reality check on what scary markets really ...

Building a Healthy Relationship with Investment Risk

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

... market risks. Either miscalculation can cause you to panic and sell out or sit out of the market, thus missing out on its long-term growth. In contrast, those who stay invested when market risks are ...

Evidence-Based Investors Approach Investing Differently

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

... investors try to beat the market through stock-picking and market-timing. By contrast, evidence-based investors participate in the market to earn expected long-term returns according to time-tested academic ...

Retirement Savings: A Little Goes a Long Way

Created on Wednesday, 07 June 2017. Posted in Content/our blog

... we help you determine how much you’ll likely need to live comfortably in retirement. We work closely with you to make your savings goals more achievable and help you reach your financial goals. Please ...

Thinking About Cashing Out of a Retirement Account Early? Think Again

Created on Thursday, 20 April 2017. Posted in Content/our blog

... to use your IRA assets for up to 60 days without incurring penalties. However, the IRS rules are strict, and we believe there are better options for securing short-term cash. A growing number of investors ...

Dissecting the Robo-advisor Trend: Do I Still Need a Human Advisor?

Created on Wednesday, 15 March 2017. Posted in Content/our blog

... helping clients determine tax-advantaged strategies for their personal circumstances. Many of our clients also have complicated family dynamics and inter-generational inheritance issues that computers ...

Investing Resolutions for 2017

Created on Tuesday, 13 December 2016. Posted in Content/our blog

... 2017, we encourage you to give some thought to how you can be a better investor in the coming year. As such, here are a few investing resolutions designed to help you better achieve long-term portfolio ...

The Importance of Rebalancing

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

There's been a lot written about the merits of buy-and-hold investing. Unfortunately, many investors are confused by the term and instead employ a buy-and-set-it-aside strategy. This can be a grave and ...

Cashing Out Is Not a Cash Cow

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

... idea at first, there are more downsides to cashing out than you might think. A sounder course of action is to stick to your long-term plan and not let Election Day distractions disrupt a sound investment ...

With Investing, the Best Recipe is to Put Politics Aside

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

... we urge you to tune out the noise and instead stick to your long-term strategy. Making decisions based on political leanings or emotional fervor can seriously threaten your financial well-being. Consider ...

How Asset Location Can Help Fatten Your Nest Egg

Created on Friday, 19 August 2016. Posted in Content/our blog

... stocks that you own for longer than a year are taxed at lower capital gains rates. Short-term equities, as well as taxable fixed income, are taxed at higher, ordinary-income tax rates. Municipal bonds, ...

How to Minimize Taxes in Retirement

Created on Tuesday, 17 May 2016. Posted in Content/our blog

... as high as 39.6%. By comparison, long-term gains and qualified dividends in your taxable account are taxed at a lower rate that tops out at 20%. It's often best to leave Roth accounts for last. Since ...

Maximize Your Returns by Minimizing Your Taxes

Created on Thursday, 17 March 2016. Posted in Content/our blog

... account, and use your tax-advantaged account to house investments that would otherwise be exposed to taxes. Asset location is no minor matter: Researchers at Vanguard have determined that it can boost ...

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

... in Hollywood movies (think The Big Short in theaters now). The point should be clear: Making investing choices based on year-ahead predictions—or short-term predictions of any kind—is no better than ...

Turning Investment Losses Into Gains

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

... and time horizon. As we do this, we look for prudent tax-loss harvesting opportunities. Tax-loss harvesting is just one way to invest tax-efficiently. We also seek to avoid short-term capital gains wherever ...

Bringing the Evidence Home

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

... long-term returns. Diversification helps manage the necessary risks involved. Get Along, Little Market. Diversification can also create a smoother ride through bumpy markets, which helps you stay on ...

Don’t Sweat The Stock Market’s Volatility

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

... expanding into a dangerous bubble. Market corrections are definitely a concern for short-term traders: You can hear them obsessing about the market's daily moves—or even hourly moves—on cable television. ...

Behavioral Biases: What Makes Your Brain Trick?

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

... expenses. Behavioral Bias #2: Recency Your long-term plans are also at risk when you succumb to the tendency to give undue weight to recent information. In "What Drives Market Returns?" we learned ...

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

... fixed-income (bond) returns: Term premium. Bonds with distant maturities (i.e. due dates) have returned more than bonds that come due quickly. Credit premium. Bonds with lower credit ratings (such ...

The Essence of Evidence-Based Investing

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

... in a rational methodology helps you best determine your financial goals—and it helps you stay on course toward those goals even when your emotions threaten to take over. The origins of evidence-based ...

Get Along, Little Market

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

... diversification provides us with an additional benefit: It helps to create a smoother ride toward our goals. Like a bucking bronco, near-term market returns are characterized by periods of wild volatility. ...

Managing the Market’s Risky Business

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

... the rise can expect to eventually be compensated for their steely resolve with higher returns. But they also face higher odds that results may deviate from expectations, especially in the near term. That's ...

The Full-Meal Deal of Diversification

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

... You may still be able to achieve diversification using such professionals, but your experience will be hampered by extraneous costs and distractions to your resolve as a long-term investor. Who needs that, ...