Investor Update

Financial events on both sides of the Pacific Ocean are testing the ability of us humans to keep our emotions out of our financial decisions. On one side we have fear, with China’s stock market plunge. On the other side, we have greed, with the Powerball jackpot now worth an...

Investor Update

This is the fifth consecutive year I’m publishing a list of New Year’s resolutions for investors. The list started in 2012 with just eight resolutions and has now officially doubled. Given the growing length of this list, I’m going to avoid discussing what the market looks...

Investor Update

Much of the chatter about yesterday’s interest rate hike by the Federal Reserve overlooks two key points. First, over the past 61 years, stocks have tended to rise during the 12-month period following the first rate hike. Secondly, it’s different this time. Put asterisks by...

Investor Update

Companies are very aware of our tendency, as humans, to overestimate the odds of making money. They use this to their advantage by pitching products and services as money-making opportunities that in reality are highly effective tools for separating us from our money. One bad idea...

Investor Update

A part of the process for managing your finances that is easy to overlook is protecting your digital assets. Not your online persona (e.g., “Fly Fishing Bill”), but your records, statements, passwords, etc. Computer viruses, malware and identity theft are certainly...

Investor Update

With about five weeks left to go in 2015, now is a good time to give your tax situation a review. You will have enough time to take any desired action if you analyze your taxes now. You’ll also have the ability to start planning for 2016. A good place to start is to look at your...

Investor Update

I recently looked at my 403(b) plan, which is the equivalent of a 401(k) plan, for the first time in approximately six months. Even with the market’s recent correction, my portfolio was fine. Now that I’ve looked, I don’t plan on checking it again for another six months. Sounds...

Investor Update

The Financial Industry Regulatory Authority (FINRA) released a new proposal to protect seniors from financial fraud. The rules will allow financial companies to respond to situations in which there is a reasonable belief that financial fraud is occurring. If fully implemented,...

Investor Update

Target date funds have received some criticism of late for being too aggressive. The funds, which adjust their allocations as a worker ages, lost money last quarter. Most are down year-to-date as well. Here are three examples from our third-quarter Low Load Mutual Fund Update,...

Investor Update

For the first time in 20 years, the Securities and Exchange Commission (SEC) wants to revise the rules governing how mutual fund and exchange-traded funds (ETFs) construct their portfolios. The proposal would set new rules on liquidity of a fund’s assets, enact swing pricing...