October 26, 2014

Asset Allocation

How do you diversify your money so you aren't putting all your eggs in one basket? Here are our thoughts.

Should You Be Building Bond Ladders In This Lower Rate Environment?

Ladder from above

There was an interesting article by Joseph Lisanti in Financial Planning Magazine entitled, “Should You Be Building Bond Ladders?” which read in part: As with many strategies, laddering works best for clients with sufficient assets to benefit fully from it. “It is a tried-and-true strategy,” says Morris Armstrong of Armstrong Financial Strategies, an RIA in [...]

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Advisors Focus On Panic Prevention In Volatile Market

Panic Button

Our brains are not wired well for handling the fluctuations in the stock market. Could a financial advisor help?

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Active vs. Passive: Where Money’s Flowing

Fish flow

Here is the number one criteria you should use in your fund screen.

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How To Diversify Highly Appreciated Stock

Dog and Turtle

Exchange funds, also know as swap funds, can provide investors with one highly appreciated security a way to trade it for an equivalently valued but more diversified portfolio.

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Driving Emotions From Your Investment Process: A 12-Step Program

Brain Scan

Don’t let short term volatility ruin a brilliant long term investment strategy.

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What Asset Allocation Should I Have For My Schwab Donor Advised Fund?

Pie Chart

Keeping your donor advised fund invested could result in more benefit to the charities you support.

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AAII 2014

David John Marotta presenting

The articles associated with David John Marotta’s presentation at the DC Metro chapter of the American Association of Individual Investors.

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Style Box Annualized Returns For The Past Three Years

Morningstar 3-year stylebox returns 2014-08

Morningstar data for the 3-year annualized returns based on style boxes shows us three interesting lessons.

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Real Returns Favor Holding Stocks

Real returns favor holding stocks

There are several important lessons to learn from this graph.

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Mailbag: What Is The One Fund Should I Invest In?

Rainbow Stars

Here’s how to earn a slow million.

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Why a Monkey Throwing Darts Could Boost Your Returns

Mandrills are the world's largest monkey.

Not aiming for where the money is should boost returns.

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The Efficient Frontier Of Investing

Blended Efficient Frontier

Many investors don’t appreciate asset allocation or understand intuitively how a diversified portfolio can exceed the sum of its parts.

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Freedom Investing Since 2000

Freedom Investing 2000-2016-06

Recently we did an analysis of the returns of the MSCI Country Specific Indexes

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The Wealth Of Nations Is Their Freedom

Berry Hard Work

“When institutions protect the liberty of individuals, greater prosperity results for all.” – Adam Smith

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Freedom Investing Beats EAFE Index by 3.92% Annualized Over Past Decade

Freedom Investing 2014-06

Over the past decade the economically free countries have an annualized return of 11.34%. The S&P 500′s annualized return was 7.78%.

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Don’t Do Something. Just Stand There!

Sisters Forever

You learn a lot by the discipline of reading old news.

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Mailbag: Can I Roll My IRA Into A REIT Tax-Free?

Can I Roll My IRA Into A REIT Tax-Free?

A reader asks, “My wife has a $250K SEP IRA earning 1.5% interest. Can we use any of the funds for real-estate investments?”

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Does Every Client Get Put Into One Of A Few Investment Allocations?

Buckets

The short answer is, “No.”

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What Benchmark Should I Measure My Return Against?

Bad Benchmarking

Don’t let the noise of random returns ruin a brilliant investment strategy.

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Tax By Inflation

The Fading Dollar

In its simplest form, the government prints money and uses the newly printed currency to fund government spending.

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Quantitative Easing And The Federal Reserve’s Balance Sheet

Inflation

Government officials argue that consistent deficits are good for the economy, if we were only willing to go high enough.

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Is Rebalancing a “Myth”?

Stacked stones

You ought to know what it is that you are rebalancing.

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Advisors Must Stop Client Self-Destruction

Koala Bear

Sometimes the best advice is when a competent advisor tells you that you are wrong.

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Obama’s myRA Plan Violates Multiple ERISA Laws

Go to jail

Willful violations of ERISA legislation carry criminal penalties of up to a year in prison for the plan sponsor and a fine of up to $100,000 for the corporation.

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Opening A Brokerage Account

Stone grid

Opening an account is the first step in getting started in investing.

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Economic Freedom Matters 2014

Wall around Wall Street

Economic freedom enriches society, lifts the poor out of poverty and respects the agency and dignity of human choice.

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Freedom Investing Over The Past Decade

Freedom Investing 2014

The portfolio of the five freedom countries has an annualized return of 11.06% over the past decade.

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Marotta’s 2014 Gone-Fishing Portfolio

Sunset fishing

A gone-fishing portfolio keeps investing simple.

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Marotta’s 2013 Gone-Fishing Portfolio Review

Fish Measuring Station

A review of last year’s 2013 gone fishing portfolio returns.

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University of Virginia Best Plan 2014 Asset Allocation Recommendation

Is this the BEST?

Here is an asset allocation recommendation for the The University of Virginia Physicians Group 2014 BEST plan.

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Active Management Has An 82% Failure Rate

Active management failure

Managing investment assets requires managing investor expectations.

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Mailbag: Are the equity markets getting kind of toppy?

Top

It is always a good time to have a balanced portfolio.

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Six Asset Classes – November 2013 Performance

6 Asset Classes - Nov 2013

Bonds down; US stocks up.

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Marotta’s 2014 UVA TIAA-CREF TDSP Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2014 using the choices available in the University of Virginia’s TIAA-CREF Tax Deferred Savings Plan (TDSP).

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World Performance – September 2013

World_performance_201309_t2

Historically September has one of the worst averages, but this year it provided very good returns.

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Countries with Economic Freedom – July, August, & September 2013 Returns

Countries with Economic Freedom - July 2013 Returns

We recommend investing in countries which are high in economic freedom and low in debt and deficit.

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Northern Europe Performance – September 2013

NEurope_perf_201309_t2

Northern European countries averaged 6.23% in September 2013.

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How to Calculate An Advisor’s Value: Dynamic Withdrawals

Chess White Bishop

Having a plan not to run out of money is priceless.

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6 Asset Classes – September 2013 Returns

AClass_performance_201309_t

In September 2013 the returns of foreign stocks beat US stocks by 4.25%.

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How to Calculate An Advisor’s Value: Total Wealth Asset Allocation

Chess Black Knight

Just how much value does a smart advisor bring with asset allocation and rebalancing wisdom?

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Marotta’s 2014 UVA Fidelity 403b Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2014 using the choices available in the University of Virginia’s Fidelity 403(b) Tax Deferred Savings Plan (TDSP).

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Marotta’s 2014 UVA Fidelity 401(a) Plans Calculator

University of Virginia's Serpentine Walls

Age appropriate asset allocation for 2014 using the choices available in several of the University of Virginia’s Fidelity Retirement Plans.

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World -July & August 2013 Returns

World Returns July 2013

Here are the returns for various global investments.

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Northern Europe – August 2013 Returns

N Europe performance - 201308

In August 2013 the northern European countries did slightly worse than the EAFE Index.

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6 Asset Classes – August 2013 Returns

Asset Class performance -201308

Returns in August were negative across the board with US stocks losing the most.

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Is The Optimum Level Of Annuity Ownership Negative?

Sailboat to Money Island

Does it actually make sense that people should buy annuities as much as conventional wisdom says?

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Do Investors Deserve to Make Money?

Master Chef at Work

When I work my 9 to 5 job and earn a paycheck, I receive a paper certificate I can trade in for the real reward of my labor. But why do investors get a reward?

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Northern Europe -July 2013 Returns

Northern Europe July 2013 Returns

Sweden appreciated 11.02% during the month.

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Marotta’s 2013 Gone-Fishing Portfolio Calculator

Gone Fishing Portfolio Calculator

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility.

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Marotta’s 2013 Gone-Fishing Portfolio

Gone-Fishing 2012

A gone-fishing portfolio has a limited number of investments with a balanced asset allocation that should do well with dampened volatility. Its primary appeal is simplicity. As a secondary virtue, it avoids the worst mistakes of the financial services industry.

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