The Goff Financial Group

Houston Fee Only Financial Advisors

Are Portfolio Rebalancing Services Beneficial? Part 1

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You may have heard of a highly promoted investment strategy known as rebalancing. While rebalancing investment services provide potential benefits, are they worth the costs? In this post, we will delve into what portfolio rebalancing entails and explore some advantages and potential drawbacks to this investment approach. Portfolio rebalancing seeks to manage the risk of [...]

Assumptions in Retirement

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We often make assumptions daily, such as “the grass is always greener on the other side” or “if you ignore a problem, it will go away.” We know the grass isn’t always greener on the other side and that ignoring a problem won’t make it disappear. There are also common financial assumptions you might be [...]

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

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Stock 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 [...]

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

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Target-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 [...]

Long Term Investment Truths Part 2

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In 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 • [...]

Long Term Investment Truths Part 1

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We 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 [...]

Pension Lump-Sum vs. Annuity: Which to Choose?

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One of the questions we often get from our clients is, “Should we take the lump-sum option or the annual payments when receiving distributions from our company pension plan?” Just like deciding whether to “buy or rent”, there are several factors in play in determining the best course of action. Let’s first go over these [...]

The Hidden Cost of Owning Too Many Investments – Part 2

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While 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 [...]

The Hidden Cost of Owning Too Many Investments – Part 3

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As 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 [...]
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