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Is Your Portfolio Highly Correlated with the Market? – Part 1

June 12, 2024 by Robert Seal

Portfolio is highly correlated to stock marketStock Portfolio by Nick Youngson CC BY-SA 3.0 Alpha Stock Images The more closely your investment portfolio resembles the stock market, the more likely your portfolio will produce results similar to the market. In finance, this concept is known as correlation, which is a measure of how a group of investments moves in value compared [...]

Filed Under: Asset Allocation, Investing, Investment Management, Markets, Portfolio Management, Risk Management, Stocks, Wealth Management

Target-Date Mutual Funds – What are they and should you use them?

April 10, 2024 by Nick

Target-date-fundsTarget-date mutual funds have gained popularity in recent years as a convenient and seemingly straightforward option for retirement investing. However, despite their appeal, there are compelling reasons why investors should carefully consider whether target-date mutual funds align with their financial goals and preferences. In this post, we’ll explore some advantages and drawbacks of target-date mutual [...]

Filed Under: 401k, 401k Plans, ETF's, Exchange Traded Funds, Expense Ratios, Index Funds, Investing, Investment Management, Retirement

Long Term Investment Truths Part 2

December 14, 2023 by Robert Seal

long-term investmentsIn Long-Term Investment Truths Part 2, we aim to highlight some of the strategic aspects long-term investors should consider. While there are several aspects to consider when investing for the long-term, we’ve limited the scope of this letter to some of the most common items we’ve seen investors overlook. Long-Term Investment Truths: Part II • [...]

Filed Under: Investing, Investment Management, Wealth Management

Long Term Investment Truths Part 1

October 25, 2023 by Robert Seal

long-term investmentsWe believe a long-term investment philosophy is key to creating and preserving wealth. While many investors claim to be “long-term” oriented, many of these self-proclaimed long-term investors act as anything but when things get tough. After all, it’s human nature to doubt ourselves; especially when things don’t go as smoothly as anticipated. Endless warnings from [...]

Filed Under: Investing, Investment Management, Market Forecasts, Markets, Portfolio Management, Risk Management, S&P 500, Securities, Stocks, Uncategorized, Wealth Management Tagged With: long-term investing

The Hidden Cost of Owning Too Many Investments – Part 2

September 12, 2023 by Nick

Cost of owning too many investmentsWhile diversification is a crucial way to spread risk across multiple investments, over-diversification1 occurs when a portfolio owns too many investments. In this instance, there can be some potential "hidden" costs, including reduced return potential without a material reduction in risk.2 If we think of diversification as the cost investors incur to reduce the risk [...]

Filed Under: Investing, Investment Management, Portfolio Management, S&P 500, Securities, Stocks, Taxes

The Hidden Cost of Owning Too Many Investments – Part 3

September 12, 2023 by Nick

Cost of owning too many investmentsAs we reviewed in the two previous posts, diversification is an effective way to reduce risk. If you own too many investments, however, there can be hidden costs without a material reduction in the risk of loss. These costs may include: Reduced returns which can increase the risk of not reaching your financial goals Unnecessary [...]

Filed Under: Investing, Investment Management, Portfolio Management, S&P 500, Securities, Stocks, Taxes

The Hidden Cost of Owning Too Many Investments – Part 1

September 11, 2023 by Nick

Cost of owning too many investmentsAssuming you invest in individual stocks and/or mutual funds, what is one of the first questions you should ask if you want higher investment returns? The answer is, “Do I own too many investments?” This is an essential question because of the potential hidden costs of owning too many investments, also known as over-diversification. While [...]

Filed Under: Equities, ETF's, Exchange Traded Funds, Index Funds, Investing, Investment Management, Mutual Funds, Portfolio Management, Risk Management, S&P 500, Securities, Taxes, Wealth Management

Learning from Biases and How They Affect Our Financial Choices

August 23, 2021 by Robert Seal

“Men willingly believe what they wish.” – Julius Caesar  The Roman Emperor Julius Caesar was alluding to bias, which happens when individuals process information around them and then stick to their preconceived ideas. Bias can happen in financial matters too, and even the most seasoned investors are subject to them. When dealing with emotions, investors are [...]

Filed Under: Investing, Market Forecasts, Markets, Risk Management, Stocks, Wealth Management

Tuning Out the Noise from the Financial Media

June 25, 2021 by Robert Seal

Image used under license from Freestock.com When asked what to watch out for when it comes to investing, clients may expect us to tell them about a specific stock to avoid, or something similar. But our answer is often far different. One of the biggest things you may want to watch out for is actually the financial media. [...]

Filed Under: Exchange Traded Funds, Federal Reserve, Financial Advisor, Financial Markets, Investing, Investment Management, Market Forecasts, Markets, Wealth Management

Starting a Roth IRA for a Child or Grandchild

August 21, 2018 by Nick Leave a Comment

Do you have a child or grandchild earning some income? Indirectly, that after-school or summer job might present a savings opportunity for that teenager. You could help your child or grandchild save for future goals by assisting them to create and fund a Roth IRA. So many people wish they had begun saving for retirement […]

Filed Under: Estate Planning, Inherited IRA, Investing, IRA, Retirement, Roth IRA, Uncategorized, Wealth Management

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