Browse the articles below for invaluable perspectives on everything from budgeting and saving to investing and active asset management.
Goals of Diversification Diversification stands as a foundational principle in the world of investment strategy, often hailed as a shield against market volatility and risk. Financial experts extol its virtues, emphasizing its ability to spread investments across various asset classes, sectors, and geographic regions to mitigate the impact of market fluctuations. Yet, despite its widely […]
In the realm of financial markets, volatility is a constant companion, impacting the portfolios of investors. Witnessing the rollercoaster ride of account balances amidst market fluctuations can be distressing, even for seasoned investors. While advisors often advocate for staying the course, emphasizing long-term gains, it’s essential to acknowledge the emotional toll this journey can take […]
First, an easy question: How much money do you have in your checking account? The second question is harder: How much money do you need in your checking account? Many people default to storing excess savings in their checking account. It is where their paychecks and income are deposited and the general location from which […]
Actual vs. Predicted S&P500 Values Predicting the future trajectory of the stock market, particularly the S&P 500, remains an exceptionally challenging task. To underscore this difficulty, I have compiled a chart detailing the End of Year (EOY) targets for the S&P 500 as forecasted by five prominent financial firms at the outset of the year. […]
From taxes to investments, there is an ongoing debate between professional advice and automated solutions. A recent inquiry from a friend regarding the merits of employing a tax professional versus using software, like TurboTax, prompted a deeper exploration into the nuances of this decision-making process. It’s a question that resonates beyond taxes, extending to broader […]
There is a plethora of financial advice advocating for the immediate disposal of credit cards. Critics argue that these plastic cards are a trap, encouraging overspending and perpetuating debt cycles with their exorbitant interest rates. Skepticism extends even to the allure of rewards programs, with some dismissing them as mere gimmicks engineered by credit card […]
When it comes to budgeting, the spotlight often shines on short and medium-term goals. Planners typically craft incremental budgets with monthly targets and yearly milestones, emphasizing immediate financial concerns. However, this approach may not seamlessly transition into discussions about the broader retirement picture. Below, we’ll explore the benefits of taking a high-level view by mapping […]
In the world of investing, the conventional wisdom often suggests a conservative approach, especially as individuals approach retirement age. This typically involves allocating a portion of one’s portfolio to bonds as a protective measure against economic downturns. However, a closer examination challenges the efficacy of this strategy, suggesting that a more aggressive stance might be […]