May 27, 2015

The Crowd Is Usually Wrong

The Crowd Is Usually Wrong

Stocks less frequently traded have better returns.

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What Is the Correlation Between Value, Growth, Large and Small Cap Stocks?

What Is the Correlation Between Value, Growth, Large and Small Cap Stocks?

The higher the correlation the greater the justification to put them in the same asset class.

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The Asset Allocation Within Your Asset Allocation

The Asset Allocation Within Your Asset Allocation

It is good to take the two categories which are most similar and use them as underlying sector divisions within the same larger asset class.

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How to Get Out of Debt: Recognize the Problem

Sun Blasts Dunes

Most people are comfortable with having some debt (like a mortgage, for example). But how much is too much?

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Hidden Fees in Private Equity

Hidden Fees in Private Equity

“Every pension plan in the nation is paying too much [for private equity], and it’s being hidden.”

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Are Healthcare and Technology The Best Performing U.S. Sectors?

Are Healthcare and Technology The Best Performing U.S. Sectors?

Should they be over weighted in your portfolio?

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Your Asset Allocation Should Be Priceless

Your Asset Allocation Should Be Priceless

The value of not running out of money when making withdrawals cannot be measured.

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Radio: Employment Tips for Recent Grads

UVA Grad

David John Marotta and Megan Russell were interviewed on the radio discussing ways recent graduates can make themselves more attractive to employers in today’s tough job market.

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Free eBooks for Lovers of Classic Literature

Free eBooks for Lovers of Classic Literature

If you’re not wedded to the idea of owning a hard copy, there are many options to find classics for free as ebooks.

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What Is The Correlation Between US Stocks and Foreign Stocks?

What Is The Correlation Between US Stocks and Foreign Stocks?

Correlations over the past year have been very low, while correlations over the past 10 years have been higher.

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The Art of the Rebalancing Bonus

The Art of the Rebalancing Bonus

Portfolio design and rebalancing is both a science and an art. Knowing that rebalancing boosts returns is useless unless you as the investor follow through.

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How to Get Jobs for “Unemployable” Degrees

How to Get Jobs for "Unemployable" Degrees

The list of jobs for a History major seems quite short: Historian and Historic Preservation come quickly, then maybe Politics, if you think particularly hard about it.

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A Golden Nugget from the Berkshire Hathaway’s Golden Anniversary

A Golden Nugget from the Berkshire Hathaway's Golden Anniversary

This year’s golden nugget goes to Buffett’s definition of risk.

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What Is Correlation?

What Is Correlation?

The correlation between two investment is used in portfolio construction and rebalancing.

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The Science of the Rebalancing Bonus

The Science of the Rebalancing Bonus

Rebalancing can both boost returns and lower volatility, but most investors do not understanding how.

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The A’s of Government (2012 Budget)

The A's of Government (2012 Budget)

This is a complete list of the budgets and purposes of the federal agencies that begin with the letter A.

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Looking Beyond the Bottom Line

Looking Beyond the Bottom Line

The Principles for Responsible Investment is leveraging its network in noteworthy ways.

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Radio Interview: Ideas for Success

Rocket Flight

David John Marotta was recently interviewed on radio 1070 WINA’s Schilling Show discussing success, and how to structure your life for greater chances of success.

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Can I Contribute to a Roth IRA?

Fountain in Springtime

How do you know if you can contribute to a Roth IRA? See this flowchart for answers.

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Why Liberals Should Hate Real Estate Taxes

Why Liberals Should Hate Real Estate Taxes

Taxes hurt ordinary folks before the extraordinary ones, and it can hurt them badly.

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Three Insights About Bad 401(k) Plans From Recent Lawsuit

Three Insights About Bad 401(k) Plans From Recent Lawsuit

“America’s leader in financial planning” is ill-serving its own employees.

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Branding, Marketing, and Selling: An Interview with Scott Deming

Branding, Marketing, and Selling: An Interview with Scott Deming

Branding is so much more important than advertising.

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Cost-Benefit Analysis for Financial Planning

Cost-Benefit Analysis for Financial Planning

The cost of commission-based advisors are so hidden that you may be paying more than you realize.

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Giving to a Charity to Receive an Annuity

Giving To Charity In Order to Receive An Annuity

Every nonprofit needs to keep an up-to-date list of the types of assets that they will accept as donations.

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First Quarter 2015 Returns: Our 6 Asset Classes

Q1 2015 6 Asset Class Returns

Each quarter brings a different set of returns for each asset class and subcategory.

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Best Credit Card for 2015

Best Credit Card for 2015

We are not normally fans of credit card offerings, but this one might be worth using as your primary card.

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How to Be a Good Executor

boxwood hedge maze

You’ve been named the executor of a relative’s will – now what?

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Investors Greatly Undervalue Safeguarding Their Money

Investors Greatly Undervalue Safeguarding Their Money

Ten principles of safeguarding your money applied to the latest investment scandal.

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Nobel Prize Worthy Advice On Investing

Nobel Prize Worthy Advice On Investing

Here’s how a good advisor should respond when you call about losses in your account.

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Is Lawsuit Funding A Good Investment?

Is Lawsuit Funding A Good Investment?

“Lawsuit lenders do not advertise prices; they advertise convenience.”

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Schwab Intelligent Portfolios: Services Not Provided

Schwab Intelligent Portfolios: Services Not Provided

A computer algorithm cannot help you with these things.

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How Do I Structure My Accounts for Automatic Savings?

Inside Umbrella

Often the needs and wants of the present take our attention at the expense of the future. You want a system that will prioritize saving without needing your constant attention.

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Investment Strategies That Do Not Make Our Cut: Low Volatility

Investment Strategies That Do Not Make Our Cut: Low Volatility

There are three rules that we follow when looking for an investment strategy and the low volatility strategy fails two.

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Tax by Fiat: Legacy of Alexander Hamilton

Tax by Fiat: Legacy of Alexander Hamilton

Hamilton, like our current president, sees people as temporary holders of wealth until such time as the government decides to expand.

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Schwab Intelligent Portfolios: Incomplete Rebalancing Algorithm

Schwab Intelligent Portfolios

See our review of the two pros and nine cons of how Schwab monitors and rebalances portfolios.

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Radio: Twelve Tax Planning Agenda Items To Do Before April 15

birds in snowstorm

It is better to do tax planning all throughout the year, but here are 12 things to do (or plan to do in the coming year) before April 15.

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Investing Lessons from the Birth and Death of the Virginia Company

Investing Lessons from the Birth and Death of the Virginia Company

Investing in America began with the bankruptcy of the hottest stock in England.

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Tax by Fiat: Legacy of James Wilson

Tax by Fiat: Legacy of James Wilson

The arguments for greater government power have always been the same.

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Schwab Intelligent Portfolios: Built on a Faulty Premise

Schwab Intelligent Portfolios: Built on a Faulty Premise

It is a great marketing campaign, and the service is a wonderful idea, but the asset allocations of SIPs aren’t actually that intelligent.

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Preparing Your “Digital Estate” – Hardware and Digital Property

Preparing Your "Digital Estate:" Hardware and Digital Property

You probably have dozens of online accounts and possibly hundreds of dollars of digital property. What happens to it when you die?

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Vanguard Sends A Letter To Directors, Will A Stick Follow?

Vanguard Sends A Letter To Directors, Will A Stick Follow?

A board of directors is supposed to be accountable to the shareholders but sometimes they need a reminder.

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Are Socially Responsible Investing (SRI) Funds Better Investments?

Are Socially Responsible Investing Funds Better Investments?

“What do you think of the idea of Socially Responsible Investing (SRI) implemented simply by investing in something like the Domini Social Equity Fund (DSEFX)?”

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Stock Ownership Is a Bad Strategy for Social Change

Stock Ownership Is a Bad Strategy for Social Change

You cannot help a company by buying its stock.

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Jack Bogle: The Value Of An Advisor Who Sticks To A Long Term Plan

Jack Bogle: The Value Of An Advisor Who Sticks To A Long Term Plan

“Advisers need to sell their value as keeping their clients from doing the wrong thing at the wrong time.”

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Warren Buffett Extends His Lead in Hedge Fund Wager

Warren Buffett Extends His Lead in Hedge Fund Wager

With three years remaining on a ten year $1 million bet, Buffett is sitting pretty to win it.

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Sordid History of the Income Tax: from 3% to 39.6%

Sordid History of the Income Tax: from 3% to 39.6%

The only time the original terms of the Constitution have been explicitly rejected and changed was to give the government the right to tax people unequally.

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Did Obama Violate an SEC Regulation?

Did Obama Violate an SEC Regulation?

From the blind eye of the law, this seems like a violation of SEC regulation.

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Garrett Planning Network SEC Anti-Testimonial Violation

Garrett Planning Network

We expect the Garrett Planning Network to quickly take down these SEC violations from their website in response.

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Sheryl Garrett Should Have Distanced Herself From Obama Like The AARP

Sheryl Garrett Should Have Distanced Herself From Obama Like The AARP

It isn’t too late to print a retraction.

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There Are No Such Things As “Fiduciary Rules”

There Are No Such Things As "Fiduciary Rules"

The principles of a fiduciary cannot be condensed into a set of rules.

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