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The Goff Financial Group

Houston Fee Only Financial Advisors

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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

Cash Reserve in Retirement

February 22, 2024 by Robert Seal

Cash reserves in retirementDo you keep a spare tire in your car? You hope you will never have to use it, but it is good to know it is there in case you have an emergency with a flat tire. The same can be said of a cash reserve in retirement – you would rather not dip into [...]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Uncategorized, 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

Inflation and Retirement

October 12, 2022 by Robert Seal

pension lump sum or pension annuity paymentsInflation – even minor inflation – reduces purchasing power over time. Like the famed economist Milton Friedman once said, it's the hidden tax that creeps up on us because it is not legislated. Inflation slowly reduces the dollar's value, meaning each dollar will buy less and less. Many people look to the Bureau of Labor [...]

Filed Under: 401k, 401k Plans, Bonds, Fixed Income, Interest Rates, IRA, Markets, Pension, Retirement, Stocks, Wealth Management

Sequence of Returns Risk

September 29, 2021 by Robert Seal

sequence-of-returns-riskWhen buying a home, you probably know many potential risks, such as the risk your home will go down in value over time or the risk that your home will require a lot of maintenance after purchase. In the same way, knowledgeable investors are aware that investing in the capital markets presents any number of [...]

Filed Under: Financial Markets, Investment Management, Markets, Retirement, Risk Management, Stocks, 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

Objective Investment Advice You Can Use

September 2, 2015 by Matthew Goff Leave a Comment

Stock-Market-Downgrade-And-Your-Invesmtents

As you probably saw last week, global stock markets dropped sharply in value. There are a number of factors contributing to these recent declines including expectations of higher interest rates, falling oil prices and an economic slowdown in China.

As our focus is on the long-term, we welcome periods of sharp market declines as falling prices often produce for our clients buying opportunities with less risk. Also, periods of sharp market declines are historically normal and to be expected when investing in the stock market.   Continue Reading …

Filed Under: Bonds, Credit, Currency, DJI, Economy, Equities, Expense Ratios, Federal Reserve, Financial Markets, Investing, Investment Management, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, Portfolio Management, Registered Investment Advisor, RIA, S&P 500, Wealth Management

Should You Follow Market Forecasters?

June 3, 2015 by Matthew Goff Leave a Comment

USA Today recently published an interesting article titled “How bad are Wall Street forecasts? Really bad.” The article reviews why you are probably better off ignoring financial advisors who try to predict the market. Not only is their combined track record horrible over time, you may get better results by simply tossing a coin – […]

Filed Under: Economy, Financial Markets, Investing, Lagging Indicators, Leading Indicators, Market Forecasts, Markets, Portfolio Benchmarking, S&P 500, Stocks Tagged With: Market Forecasts

S&P Downgrade

June 2, 2015 by Matthew Goff Leave a Comment

affects-your-retirement-and-investments-wealth-management-houston

Lessons of Lower Ratings Regarding S&P’s decision to downgrade the U.S. credit rating, the Wall Street Journal’s article Lessons of Lower Ratings provides an historical perspective of how other countries have performed after a cut in their credit ratings. As discussed in the article, history suggests the recent downgrade could actually be a long-term positive […]

Filed Under: Credit, Economy, Financial Markets, Market Forecasts, Markets Tagged With: Standard & Poor's

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