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Employer 401(k) matching? That’s game, set, and max

Employer 401(k) matching? That’s game, set, and max

A 401(k) is an employer sponsored retirement plan.  Employees make contributions through payroll and those contributions are deducted before taxes are subtracted. By contributing today, employees receive a tax benefit in the current year and all years following as contributions grow tax free. When withdrawing the money in retirement, unless the 401(k) came with... read more

A new financial advice service for smaller investors

A new financial advice service for smaller investors

As most of you know, my day job involves giving financial advice. I wanted to share a new service offering. Most investors with a small asset base are constrained in their ability to receive good investment advice. If attainable at all, the cost of advice is usually punitively high as a percentage of investible... read more

Bond Market Outlook for 2014

Bond Market Outlook for 2014

10 year treasury yields surged by nearly 130 basis points last year as investors fretted about a reduction in the Federal Reserve’s $85 billion-per-month bond buying program.  The fall in bond prices resulted in losses in the fixed income allocation of most investors’ portfolios. The Barclays Aggregate Bond Index realized a total loss for 2013... read more

The name is Bond, I Bond

The name is Bond, I Bond

As we enter the New Year, it’s a good time to think about investing resolutions. Here’s a good one that should be on the list: set-up an account with Treasury Direct and begin purchasing I Savings Bonds (I Bonds). I Bonds are issued by the Treasury and earn interest based on a fixed rate... read more

Time to harvest losses

Time to harvest losses

The underlying principle of tax loss harvesting is simple; realize losses and never realize gains. This creates an interest free loan from the IRS. When executed well, it’s almost like turning a taxable account into a tax deferred retirement account. As we approach the end of the year, look for securities you own that... read more

Investing Quotes

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    • “Be fearful when others are greedy. Be greedy when others are fearful.”

      —Warren Buffett

    • “The individual investor should act consistently as an investor and not as a speculator.”

      —Benjamin Graham

    • “Know what you own, and know why you own it.”

      —Peter Lynch

    • “Sometimes your best investments are the ones you don’t make.”

      —Donald Trump

    • “It’s not whether you’re right or wrong that’s important, but how much money you make when you’re right and how much you lose when you’re wrong.”

      —George Soros

    • “My favorite holding period is forever.”

      —Warren Buffett

    • “The essence of investment management is the management of risks, not the management of returns.”

      —Benjamin Graham

    • “You make most of your money in a bear market, you just don’t realize it at the time.”

      —Shelby Davis

    • “We have two classes of forecasters: Those who don’t know and those who don’t know they don’t know.”

      —John Kenneth Galbraith

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