January 26, 2015

Asset Allocation

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

Returns from the Countries with Economic Freedom

Freedom Countries - 2014 Returns

Freedom investing beat the EAFE Foreign index by 7.92% in 2014.

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2014 Returns for Our 6 Asset Classes

6 Asset Classes - 2014 Returns

When asset classes are not correlated that means they often move in different directions.

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Does Past Performance Have Anything To Do With Future Results?

Does Past Performance Have Anything To Do With Future Results?

Is there a correlation which would justify talking about “the momentum of the markets”?

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Does Market Volatility Cause Post-Traumatic Stress?

Does Market Volatility Cause Post-Traumatic Stress?

The best antidote to the stress of market volatility is to understand that the markets are inherently volatile.

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Guess What Statistic Has The Highest Correlation With The S&P 500?

Guess What Statistic Has The Highest Correlation With The S&P 500?

David Leinweber calls this technique, “torturing the data until it screams.”

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Marotta’s 2015 Gone-Fishing Portfolio

Fog Fishing

A gone-fishing portfolio keeps investing simple.

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Marotta’s 2014 Gone-Fishing Portfolio Review

The fishes

A review of last year’s 2014 gone fishing portfolio returns.

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Marotta’s 2015 Gone-Fishing Portfolio Calculator

The fishes

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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November 2014 Returns for Our 6 Asset Classes

November 2014 Returns -6 Asset Classes

Here are the returns for our six Asset Classes from November 2014.

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August – October 2014 Returns for Our 6 Asset Classes

6 Asset Classes - 8-10-14

Here are the returns for our six Asset Classes from August 2014 – October 2014.

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What Is The Alternative To An Annuity?

Question hole

An immediate fixed annuity is not an investment; it is an insurance product.

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Bogle’s Best Advice: Don’t Peek

Don't Peek

When it comes to finances, just shut your eyes and keep them closed.

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If You Wouldn’t Buy It, Why Keep It?

Lego Shop

The stock market is one of the few places that when things go on sale we are less likely to want to buy.

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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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