Schwab’s 3 Myths of Responsible Investing Are Actually True
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In reality, all three “myths” are cause for real concern about SRI, ESG, and other so-called impact investing.

The Cost of Keeping Some Money Safe
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Keeping $100,000 might cost you $500,000 in lost opportunity costs over 20 years.

Value Investing During Seasons of Growth
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Generally speaking, Value stocks outperform Growth stocks. Investing based upon this finding is called “Value Investing.”

How to Use Your “World Asset Classes” Report Appropriately
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Our intention in including this particular slide is to show the range of quarterly returns. Here is some wisdom on how to use this slide when comparing your own returns for the quarter.

Do Top-Ranked Funds Repeat?
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Dimensional’s analysis found that top funds do not repeat.

What is the Correlation of the Asset Classes?
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Asset classes are best defined by looking at the correlation of their returns. These four 2015 articles take a close examination at the three appreciation asset classes.

Helpful Chart Shows Why You Should Diversify Globally
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We continue to believe that diversification among many different countries provides a more consistent return than investing entirely in the United States.

When Should I Worry About Performance?
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Some performance is cause for concern. Other times, you need not worry. Here are 5 times you should not worry and 4 cases when you should.

Q&A: Can I Turn My Real Estate Income Into a REIT to Get the QBI Deduction?
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You are allowed to deduct “up to 20 percent of their combined qualified real estate investment trust (REIT) dividends,” and this deduction is unlimited. So it begs the question: Is there a way I can deduct my normal real estate income?

Do Dividend Paying Stocks Make Better Investments?
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For all of these reasons, our recommended investment strategy does not focus on dividend-paying stocks.

Should My Portfolio Asset Allocation Include Emerging Markets?
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A blended portfolio can perform better even as some of its components under perform due to the rebalancing bonus.

Bond Basics
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Bonds are like the iron rods put in the bottom of sailing ships. They don’t make the ship go faster, but they do keep the ship from capsizing in stormy weather.

The Value Matters in Stock Investing
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“Think of a stock as a machine that generates cash every few months.” Smaller companies that you have never heard of usually have a better return than the better known larger companies.

First Quarter 2018 Returns for Our 6 Asset Classes
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Although volatility is often unwelcome by investors, it can provide profitable returns.

2017 Returns for Our 6 Asset Classes
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2017 was such a good year for the stock markets that it set a record.

Best Non-Correlated Asset Classes for the S&P 500
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Even very volatile investments may, in moderate amounts, reduce a portfolio’s volatility if the investment is not correlated with the rest of the portfolio’s components.

Radio: Ten Attractive Investment Categories for 2018
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On January 9, 2018, David John Marotta appeared on Radio 1070 WINA’s Schilling Show to discuss ten investment categories that look more attractive than the S&P 500 at the start of 2018.

Is a Home Storage Gold IRA Legal?
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My understanding is that being the custodian of your own IRA assets is illegal. Also, we believe that investing your IRA in gold is not a good idea even if you have a third party custodian.

Your Portfolio May Be Missing Canada
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Under weighting Canada could have the effect of diminishing your returns. If your fund under weights Canada, consider switching to a lower cost fund which properly represents it.

What Advantages Do Exchange-Traded Funds (EFTs) Have Over Mutual Funds?
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Exchange Traded Funds (ETFs) have at least a dozen significant benefits over mutual funds and only a few disadvantages.

Gold’s Role In A Portfolio
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Gold advocates will often go to great lengths to tout the advantages of owning gold.

Healthcare Stocks And Asking “Relative To What?”
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Why do our portfolios systematically overweight healthcare stocks?

The Case for Investing in Energy Companies
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Energy’s low correlation with nearly every other major asset class means even very conservative investors should consider over-weighting Energy stocks.

Hedge Funds and Long/Short Strategies
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Long/short strategies use the money from the stocks they have shorted to purchase extra stocks that they hope will go up.

Radio: The Importance of Real Estate
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David John Marotta was interviewed on radio’s Schilling Show discussing real estate and its importance in your total net worth.

A Guide to Investing in REITs
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REITs are one way to get some of the benefit of investing in real estate without as much of the risk.

What Are The Problems With Illiquid Alternative Investments?
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The larger the spread, the more likely you should neither buy nor sell the asset.

Fund Analyzer Shows Value Of Lower Fees
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Continually curating a list of low cost funds is valuable for long term investors.

Dimensional On: Why Should We Invest Internationally?
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“Historically there has been a wide variety of returns from US and International stocks, and when one does poorly often another does well.”

The Complete Guide to Creating an Investment Plan
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This is a summary of the six steps required to create a well-crafted investment plan.

Why We Do Not Use Active Management
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Index investing seeks to track the return of a portion of the market. The opposite is active management.

Mailbag: Why Doesn’t Everyone Want High-Yield Bonds?
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We don’t recommend high yield bonds because they do nothing good for your overall portfolio.

Why Gold Has Utterly Failed as a “Safe Haven”
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Gold sounds like it should provide a safe haven of your purchasing power much more than it has actually done so.

A Case Study In Volatility
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While volatility can make a fund more attractive on the way up, it can also make a fund less attractive on the way down.

Why Invest In Chile?
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Adding a little bit of Chile to your portfolio can boost returns and reduce volatility.

A Fund Selection Case Study
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We’ve written about how to select securities but in this article we are going to apply those principles to the process of selecting a specific fund for a specific sector of the economy.

Investors Want Non-Correlated Assets Until They Experience Non-Correlation
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While many investors say they want a low-correlation portfolio, they don’t want to actually experience a low-correlation portfolio.

October 2015 and Year-to-Date Returns for Our 6 Asset Classes
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October showed a sharp reversal of the movements of Resource Stocks.

U.S. Growth Stocks Stand Their Ground in 2015
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This year, almost every U.S. asset class is in the red except for growth stocks. When the market is throwing punches, you need a tactical defense.

Which Emerging Markets ETF Should I Buy: VWO or EEM?
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They are based on different indexes and have different expense ratios.

Mailbag: Are Energy Funds A Good Buy?
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The connection between the price of oil and the price of oil companies is loose.

What Is The Relationship Between Turnover Rate and Returns?
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A high turnover rate is not something you want in a stock fund.

How to Select Securities
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Your investment strategy is critically important but the implementation requires wise fund selection.

What Is The Correlation Of Freedom Investing?
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Should we have a “Free Countries Asset Class” or a “Foreign Stock Asset Class?”

Defining Your Sectors
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The process of defining your sectors is an attempt to identify the quintessential features of your strategy and formalize your selection criteria.

What Is The Relationship Between Turnover Rate And Number Of Holdings?
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The greater the number of holdings the lower the turnover rate with one surprising exception.

Do Resource Stocks Deserve Their Own Asset Class?
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Resource stocks represent one of the most interesting collections of diverse indexes as they do not always move in sync with one another.

What Is the Correlation Between Value, Growth, Large and Small Cap Stocks?
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The higher the correlation the greater the justification to put them in the same asset class.

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