How Should I Allocate My Assets?

 What is your current asset allocation to stocks and bonds? There’s a good chance that it’s 60% in stocks and 40% in bonds because individual retirement account (IRAs) and near-dated target date funds (TDFs) have this[...]

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How Much Could You Lose in the Next Market Crash?

 

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Don’t be a Target Date Fund Victim

Target Date Funds (TDFs) have three interest groups: investment managers, fiduciaries, and beneficiaries The interests of these three groups are not aligned. If you’re in a TDF, you’ll lose in the next market correction[...]

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Smart Investing

A lot of time, energy and money are wasted seeking alpha – trying to beat the averages. This may be heresy to you, but before you get mad, or stop reading, let’s have a discussion. You may find that there are better[...]

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What Does Recession Mean For Your Retirement?

In the first 2 weeks of August, 2019 the Dow Index fell 1700 points, about 6%. The first drop in prices was attributed to the US trade war with China, but then an inverted yield curve became the culprit, bringing the[...]

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Out of Sequence: Is Sequence of Return Risk for Real?

Much has been written about Sequence of Return Risk (SoR). Losses sustained during the 5 to 10 years before and after retirement can devastate lifestyles, as explained in Sequence Risk's Impact on Your Retirement Money[...]

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Should You Diversify?

“There is no free lunch” is a popular saying in economics and finance. It means you can’t get something for nothing. But there is an exception to this rule and it is called diversification.  Introduced in the 1950s, Dr.[...]

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Don’t Ruin a Happy Retirement

The biggest investment threat to living long and well in retirement isn’t a big loss. It’s a big investment loss when it matters most -- when your savings are at their peak -- namely as you transition from working life[...]

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The Financial Engineering in the Patented Safe Landing Glide Path™

The patented Safe Landing Glide Path™ (SLGP) embodies two Nobel prize winning theories, risk of loss analysis, and liability-driven investing. Dr. Harry Markowitz won the Nobel prize in 1990 for his work on the[...]

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What is your investment strategy?

A sound investment strategy should be tied to your goals. Success is not beating an index. It’s achieving your objective. Objectives could be securing a comfortable retirement, buying a car, or paying for your child’s[...]

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