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Getting What You Don’t Pay For

“Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision.” What are the other factors you should consider? Read what variables need to be considered when evaluating a cost‑effective a strategy. Click on the […]

Evolution of Financial Research: The Profitability Premium

“As academics and market participants seek to better understand security markets, insights from their research can enable investors to better pursue their investment goals.” Read how new research is helping investors make smarter decisions. Click on the link below to view the full article. Evolution of Financial Research_ The Profitability Premium

Investment Tidbit 5

Different investments behave differently during different times. As an example, when the real-estate market was booming in the ‘70s, the stock market had some of its worst years. Large-cap stocks were the top performing asset class in the late ‘90s, but did poorly in the 2000, 2001 and 2002 years. Halfway through 2003, large-cap stocks […]

Investment Tidbit 4

An informed investor needs to establish his or her personal expected reasonable growth rate of return. The general rule of thumb is that if you take the percentage of decline tolerance (how much money you could stand to lose) in a given quarter that you are comfortable with, divide that percentage in half, and add […]

Investment Tidbits 3

When we ask 401(k) participants how much money they want to make with their investments, they always say “As much as I can.” Everybody thinks they would love to be ultra aggressive. Who wants to make three percent per year? Everyone wants to make 15 percent, but most don’t understand the amount of risk they […]

Investment Tidbits 2

Some people think that the money in 401(k) plans is insured against loss. It depends on what kind of loss you are talking about. Federal law requires that trustees of plans be bonded by an insurance company, which reimburses the trust in the case of fraud, embezzlement, or other criminal activity. However, your money is […]

Investment Tidbits 1

Many participants in 401(k) plans have no investing experience. Few have ever read the academic research of investing, some of which has won the Nobel Prize. What little information they do have comes from television, newspapers, magazines, or co-worker conversations. Most of this information is misguided or sensationalized and lacks any foundation. Many false ideas are […]


Start being responsible by becoming a saver. The steps you take now will lay the groundwork for the lifestyle you will enjoy later. If you want to enjoy a future that is free from financial worries, your first step is to start saving today. You can start small, really small, but be consistent. You’ll be […]

#4 Build the structure: Identify a sound financial plan that works and then work the plan.

When you understand this fourth ingredient for success, you will find yourself wonderfully prepared for life. Have a plan that works. Why is this simple ingredient so important? Planning is knowing where you are today and where you want to be tomorrow. And you do this buy breaking your dreams down into components and phases. […]

#3 Place the framework: Network with financially insightful, and financially secure individuals who will help guide you toward your retirement goals.

Many people worry about what others think. And when you operate like this, you’ve just given your power over to others. People frequently make major decisions about their own lives based on assumptions about what their friends or family might think. Unknowingly, they’ve appointed these people as the designated drivers of their lives. Have you […]