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market review 2020

Market Review 2020 – Valuable Insights to Pass Along

As we look back now and do our market review 2020, there’s one thing for sure. Year 2020 proved to be one of the most tumultuous in modern history, marked by a number of developments that ...

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investment universe looking at the milky way

Diversify Your Investment Universe: Principle 6 in Evidence-Based Investing

Expanding your investment universe by holding securities across many market segments can help manage overall risk. In a word, we call this “diversification.” But diversifying within your home market may not be enough. Global diversification helps ...

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3 generations playing with food

What Really Drives Higher Expected Returns? Principle 5 in Evidence-Based Investing

There is a wealth of academic research into what really drives higher expected returns. Simply put, expected returns = current market prices + expected future cash flows. Investors can use this basic equation to optimize their ...

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How market work - happy middle aged couple

Understanding How Markets Work for You: Principle 4 in Evidence-Based Investing

The financial markets have rewarded long-term investors. Understanding how markets work is a worthwhile investment of time and resources. People expect a positive return on the capital they supply, and historically, the equity and bond markets ...

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Two happy women drinking

Resist Chasing Past Performance: Principle 3 in Evidence-Based Investing

Some investors select mutual funds based on their past performance. Yet, past returns offer little insight into a fund’s future returns. For example, most funds in the top quartile (25%) of previous five-year returns did not ...

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Professor Kenneth French on How to Think About Investment Risk

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Top Heavy Market? Giant Firms on Top Is Nothing New

Top Heavy Market? Giant Firms on Top Is Nothing New

A top-heavy stock market with the largest 10 stocks accounting for over 20% of market capitalization and a marquee technology firm perched at No. 1? This sounds like a description of the current US stock market, ...

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Under the Macroscope: When Stocks and the Economy Diverge

Under the Macroscope: When Stocks and the Economy Diverge

What’s going on in the market when stocks and the economy diverge? It can be puzzling when a bleak economic report emerges from the press, only to be accompanied by a positive surge in the stock ...

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Spread the Word: What’s New with Valuation Ratios?

Spread the Word: What’s New with Valuation Ratios?

This is a good time to check in with valuation ratios. These have been challenging times for value stocks. Over the 10-year period ending March 31, 2020, the Fama/French US Value Research Index returned an annualized ...

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Investment Advice

Why Stick with a Globally Diversified Portfolio? Principle 7 in Evidence-Based Investing

Why Stick with a Globally Diversified Portfolio? Principle 7 in Evidence-Based Investing

Why buy and hold a globally diversified portfolio instead of reacting to breaking news? Political, social, and economic headlines come and go. But you never know which market segments will outperform from day to day, or ...

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How market work - happy middle aged couple

Understanding How Markets Work for You: Principle 4 in Evidence-Based Investing

The financial markets have rewarded long-term investors. Understanding how markets work is a worthwhile investment of time and resources. People expect a positive return on the capital they supply, and historically, the equity and bond markets ...

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Professor Kenneth French on The Difficulty of Market Timing

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Two happy women drinking

Resist Chasing Past Performance: Principle 3 in Evidence-Based Investing

Some investors select mutual funds based on their past performance. Yet, past returns offer little insight into a fund’s future returns. For example, most funds in the top quartile (25%) of previous five-year returns did not ...

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Trying To Outguess the Market Has No Role: Principle 2 in Evidence-Based Investing

Trying To Outguess the Market Has No Role: Principle 2 in Evidence-Based Investing

The market’s pricing power works against investors who try to outguess the market. As evidence, only 23% of US equity mutual funds and 8% of fixed income funds have survived and outperformed their benchmarks over the ...

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Embrace Market Pricing: Principle 1 in Evidence Based Investing

Embrace Market Pricing: Principle 1 in Evidence Based Investing

Each day, the world equity markets process billions of dollars in trades between buyers and sellers—and the real-time information they bring is what drives market pricing. You, the Market, and the Prices You Pay When it ...

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Investors Should Think Twice Before Chasing the Biggest Stocks

1. Ten largest companies by market capitalization.2. Returns are measured as of start of first calendar year after a stock joins Top 10. As companies grow to become some of the largest firms trading on the ...

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Professor Kenneth French on Building Confidence as an Investor

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How Has Market Behavior Evolved For Emerging Markets Investing?

How Has Market Behavior Evolved For Emerging Markets Investing?

Understanding market behavior and evolution are just as important for emerging markets as for developed markets, as emerging markets are an important part of a well-diversified global equity portfolio. However recent history reminds us that they ...

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Retirement Advice

6 Tax Planning Strategies to Optimize Your Retirement Wealth

6 Tax Planning Strategies to Optimize Your Retirement Wealth

You’ll benefit from the tax planning strategies in this post, whether you are currently retired or are still counting down the years, months, or days until retirement. Being deliberate about your income, investment vehicles, and tax ...

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Financial Anxiety

10 Steps to Easing Financial Anxiety During Major Life Changes

Life happens and, sometimes, it can be incredibly worrisome from a financial standpoint. You’ve struggled through a divorce. Perhaps you’ve faced a life-threatening illness. And, you look at your bank account and wonder. What is going ...

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The Tao of Wealth Management

The path to success in many areas of life is paved with continual hard work, intense activity, and a day-to-day focus on results. However, for many investors who adopt this approach to managing their wealth, that ...

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A Focus on Fixed Income

It’s been approximately a decade since the Great Recession began. By year-end 2008, the U.S. Federal Reserve (the Fed) had lowered the target federal funds rate to near-zero and embarked on an aggressive quantitative easing campaign, ...

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What’s Social Security Got for You?

  Building the best strategy starts with pinpointing your benefit at different ages. Back in the late 1980s, when much like today there was mounting concern about the future of Social Security, Congress decided to reassure ...

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Timing is Critical for Boomers Preparing to Claim Social Security

Make the Most of Your Benefits It has begun. America’s largest generation, the 79 million strong, post World War II baby-boomers has begun cashing in on its Social Security benefits. And, just as history records the ...

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Divorce & Women's Wealth

Financial Anxiety

10 Steps to Easing Financial Anxiety During Major Life Changes

Life happens and, sometimes, it can be incredibly worrisome from a financial standpoint. You’ve struggled through a divorce. Perhaps you’ve faced a life-threatening illness. And, you look at your bank account and wonder. What is going ...

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Divorce and Social Security Benefits

Even if your ex-spouse has not applied for benefits, you may qualify to collect spousal Social Security payments based on his or her earnings record. When looking at divorce and Social Security remember, the end of ...

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