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Total: 50 results found.

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

... losses to neutralize gains in future years. 3. Long-term investing. When an investment is sold for a profit less than a year after it was purchased, investors are faced with short-term capital gains ...

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

... over a 30-year period. The finding: After fees, just 0.6% of managers showed any real skill at consistently beating the market. The good news is that with a stable, diversified, long-term portfolio, ...

Turning Investment Losses Into Gains

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

... possible. Short-term gains—those resulting when an investment is held for a year or less—are taxed at a higher rate than long-term gains. Minimizing the taxes on your investments may not sound as exciting ...

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

The stock market has taken investors on a rollercoaster ride over the past few weeks, jangling plenty of nerves in the process. In times like these, looking at some historical perspective can go a long ...

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 ...

The Human Factor in Evidence-Based Investing

Created on Wednesday, 08 July 2015. Posted in Content/our blog

... fires up within the nether regions of your frontal lobe. Greed grabs you by the collar, convincing you that you had best act soon if you want to seize the day. "Buy!" Along with such self-defeating ...

What Has Evidence-Based Investing Done for Me Lately?

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

... premium returns over low-profitability companies. The Momentum Factor: Stocks that have done well or poorly in the recent past tend to continue doing so for longer than random chance seems to explain. ...

Factors That Figure in Your Evidence-Based Portfolio

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

... but also why they exist. That's important because it can help determine whether a factor is likely to persist long enough to help us in our long-term portfolio. Why do some factors persist while others ...

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

... that diversification helps to minimize volatility along the way to your expected returns. Imagine several jagged, upward trending lines on a chart; they represent several kinds of holdings. Individually, ...

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, ...

Financial Gurus and Other Unicorns

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

... reported that nearly 10% of hedge funds existing at the beginning of 2013 had closed by year-end, and nearly half of the hedge funds available five years prior were no longer available (presumably due ...

In Uncertain Markets, Beware of the Herd

Created on Tuesday, 12 August 2014. Posted in Content/our blog

... investments to participate in long-term market growth. Maintaining diversified holdings to dampen market risks. Our clients have heard this message before, but it bears repeating whenever the market ...

When a Broker is Your Retirement Nightmare

Created on Wednesday, 02 July 2014. Posted in Content/our blog

We at Align Wealth Management have long preached the importance of choosing to work with a "fiduciary" advisor—one who is legally bound to act in your best interests. Now, it doesn't take a genius to ...

“Sell in May and Go Away”: It Rhymes, But It’s Wrong

Created on Tuesday, 13 May 2014. Posted in Content/our blog

... less than a year, you’ll pay the short-term capital-gains tax rate rather than the lower, long-term rate. Do you see how the neat, simple calculus of “sell in May” doesn’t look as great in the real world? ...

Separating “Flash” from Substance

Created on Tuesday, 08 April 2014. Posted in Content/our blog

... largest impact on our ability to reach our goals. While there's definitely more sizzle to a story of wrongdoing on Wall Street, we believe it's more instructive for long-term investors to look at longer-term ...

For What It's Worth: Assessing Advisory Fees

Created on Friday, 07 June 2013. Posted in Content/our blog

Dear Friends & Clients: You’ve probably heard us whistle this tune so often that you can sing along yourself: Among the best ways to maximize expected returns is to minimize the costs involved in ...