A lot can happen in the course of one year, and it usually does, so be sure to schedule annual reviews into your long term planning efforts. An Annual Review of Your Long Term Planning Will Help You Make Timely Course Corrections From your health to your income to the place you live, the likelihood
The Power of Compounding Working Against You If you lived through the 1970s, you probably know the visceral fear that accompanies the word “inflation.” During that “Great Inflation” period, the rate of price increases surged to double-digit levels—reaching 14% by 1980. Businesses were destroyed; household budgets were shredded. Only by raising interest rates to a
To Succeed in Investing, We Must Manage Risk Well To live life more fully, we all must accept, and even embrace risk, and to succeed in investing, we must manage risk. The most fulfilling parts of our lives are full of risk, but generally worth pursuing. Our adventures, and even our responsibilities are risky, but
Have you been measuring what matters most to your future financial success, or have you been focusing on the market’s day-to-day gyrations over the past several months? If you’ve been focusing on the market, you’re not alone. Like the crowd at a tennis match, investors have been looking back and forth, one moment at a
Before we head into the holiday season, be sure to look ahead at your 2022 year end tax planning checklist and take advantage of the opportunities available to you. As with any kind of financial planning, knowing that you’re prepared can help create confidence and peace of mind. And that just might make your holidays
Quantifying a financial advisor’s value has become easier in recent years as financial services firms have undertaken and completed studies on the matter. Firms such as Vanguard, Morningstar, Dalbar and most recently Russell Investments, have added to the body of knowledge on this topic. The significant global changes of the past 24 months have prompted
Much has been written about investment behavioral mistakes and whether financial advisors can help clients generate market-beating investment outperformance. Amid all of the activity that investors and their advisors pursue in hopeful expectations of outperforming the market, it’s easy to overlook the risk that those activities might create below-market returns. Underperformance can easily come from
Shortfall Risk is the Greatest Risk to Retirement Success The greatest risk to retirement success? For most of us, it’s shortfall risk ‒ the chance that our savings will expire before we do. Shortfall risk typically arises from one or both of these shortcomings: (1) not taking the time and doing the work to study
Learning Lessons from the Market Correction Helps Us Become More Disciplined Investors The stock market’s plunge at the outset of the Covid-19 pandemic, when the S&P 500 index plunged 32% in five weeks, shook up a lot of investors and reminded all of us to refresh our memories of previous “lessons from the market correction.”
Investing lessons from the pension world help us to focus on the critical importance of matching our long-term retirement liabilities with proper long-term investment assets. Investing Lessons from the Pension World Help Us Generate Better Retirement Expense Estimates Asset/liability matching originated in the pension world. Pension managers are responsible for meeting specific objectives, namely, paying
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