July 24, 2014

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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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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Emerging Markets Still A Good Investment Despite Warning Notices Regarding Russia

SSEMX Warning Notice Regarding Russia

Russia is less than 6% of most emerging market indexes.

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What Exactly Is Quantitative Easing?

Piggy Bank

Quantitative easing is a sneaky way to make everyone dealing in U.S. dollars pay off the U.S. debt.

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How Does The Fed Control Interest Rates In A Free Market?

Federal Reserve 2014

Even as recently as 2007, banks were paying 4% interest. Now you have to go to the hundredth decimal before you find your interest rate.

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As Recently As 2007, Banks Were Paying 4% Interest

Taxable Money Market Rates 2014

In retirement planning, these are the deep risks we are concerned about.

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Every Bond Contract Has At Least Five Components

Bond Components

Unlike stocks, each bond contract has unique characteristics that define how repayment will occur.

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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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Today’s 20-year Olds Will Need Over $7 Million For Modest Retirement Lifestyle

Worried Woman

Most young people don’t understand inflation as well as their parents and grandparents.

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Should a Business Buy Its Own Building?

New Office

We finally found a great building and decided to purchase it!

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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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The Truth About Annuities

Shocked

Most financial planning articles about annuities pull their punches.

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Should I Wait Until After The End Of The World To Start Investing?

Shares

When the dust settles, can I really buy things for pennies on the dollar?

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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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Annuities Are Still A Bad Idea

A very bad idea

“Up until recently” annuities were a bad idea. They still are.

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Is It The End Of The Line For Stock Investments?

End of the line

If you are 50 years or younger will you see any of your retirement money?

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Hedge Fund Advice In One Word: Don’t

Wall Street Sky

The documents where you can review 20 key issues looking for 10 red flags, or…

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Housing Market Picking Up and Interest Rates Rising

Charlottesville Real Estate

I expect we have seen the bottom of both the housing market and 30-year fixed interest rates.

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Countries with Economic Freedom – October 2013 Performance

Freedom Perf Oct 2013

Countries high in economic freedom, including the United States, outperformed global indexes.

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Northern Europe – October 2013 Performance

NEurope Perf Oct 2013

Northern Europe beats the EAFE Foreign Index by 0.82% in October.

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Is A Financial Apocalypse Coming?

The Disaster Diaries by Sam Sheridan

Should you buy as much gold as you can get your hands on?

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World Performance – October 2013

WorldCombo Perf Oct 2013

Emerging markets produced some of the highest returns during the month of October.

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6 Asset Classes – October 2013 Performance

Oct 2013 Asset Class Performance

In October 2013 the balanced portfolio of a 40-year had a nice 3.54% monthly return.

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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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When To Say No

No

“A well-designed financial plan can get derailed by the wrong investment. Here are seven things investors can probably do without.”

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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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Precious Metals And Mining Recovers Some In Third Quarter

VGPMX-2013-09-13

It is a small investment which you should expect to be volatile and relatively disappointing when the markets are doing well.

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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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July 2013 Asset Class Returns

Asset Class Perf - 2013-07

Here is how representative ETFs from each of the six asset classes did in July 2013.

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Gold And Silver Stocks Down In 2Q 2013 Along With The Metals Themselves

Asset Class: Resource Stocks

Precious Metal Mining companies are leveraged against the movements of the underlying price of the metals themselves.

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Real Estate Down Slightly During The Second Quarter

Asset Class: Resource Stocks

Foreign real estate was down more for the quarter because the U.S. Dollar strengthened against foreign currencies.

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Energy Funds Slip Slightly in 2Q 2013

Asset Class: Resource Stocks

Energy is one important components of the category of Resource Stocks.

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Some European Markets Did Better Than Global Averages During Q2 2013

Asset Class: Foreign Stocks

In a reversal from past trends, some European markets did better than global averages.

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Emerging Markets Down During Second Quarter 2013

Asset Class: Foreign Stocks

Those investments which go up the most when markets are rising often go down the most when markets are falling.

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Global Markets Drop During Q2 2013

Asset Class: Foreign Stocks

It is prudent not to have your assets all subject to a single country’s economic failure or success.

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Foreign Bonds Drop As Dollar Strengthens And Interest Rates Rise

Asset Class: Foreign Bonds

Just because the dollar strengthens for a quarter does not mean you should abandon this strategy.

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US Bonds Drop Value in 2013 Q2 As Interest Rates Rise

Asset Class: US Bonds

Many investors don’t understand why a bond, which pays a fixed rate of interest and then at the end of the term pays a fixed amount of principle would have its price fluctuate.

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Selected Commentary on Resource Stocks

Asset Class: Resource Stocks

Some of the monthly commentary on resource stock returns.

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World Monthly Returns Index

The blue marble of earth 2007

Some of the monthly commentary on the returns of global investments.

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Emerging Market Monthly Returns Index

Emerging market countries

Some of the monthly commentary on the returns of the emerging markets.

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